It is a normal personal consumption behavior to swipe a few thousand yuan at a convenience store, which belongs to the normal trading scope, so it has no effect on credit cards. Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.