Yes, there is, but proper installment repayment is helpful to the withdrawal, and excessive installment will only increase the difficulty of withdrawal. Moreover, credit card withdrawal is also skillful, and every bank has audit standards for credit card withdrawal. Therefore, if you want to increase the credit card limit, you must master the necessary withdrawal skills and timing. After all, if the timing is good, your credit card withdrawal will be successful. However, as a credit card holder, if you don't have long-term experience in using the card, it is difficult for you to grasp the timing of withdrawal. Therefore, with the help of credit card withdrawal detection tools, such as card help check, this official WeChat account can fully understand the cardholder's card usage habits, and conduct multi-dimensional analysis of credit cards, and comprehensively calculate the withdrawal probability of current credit cards based on this information. If the probability is high, it means that the credit card withdrawal opportunity is better. At this time, the success rate of submitting the withdrawal application is higher.

1. First of all, it is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. Finally, overdue repayment will leave a bad credit record for cardholders, which will affect the smooth progress of cardholders' future loans and other behaviors.

2. In terms of long-term idleness, credit cards and savings cards are different, because credit cards are linked to credit information. Therefore, once the credit card is overdue due to idle problems, the cardholder's credit information will also be affected, which may lead to the cardholder's inability to apply for credit cards, mortgages and car loans. Moreover, due to the introduction of the new version of credit reporting, the current bad records are no longer eliminated in two years, but extended to five years. In other words, if your credit card is overdue, it will take five years to eliminate this record, provided that you no longer have overdue problems within five years. And if the cardholder has "three tired six", the consequences will be more serious. The so-called "three troubles and six" means that the cardholder is overdue for three consecutive months, or the cardholder is overdue for six months.