Credit cards are not required to be spent every month, but in order to maintain a good credit record, it is recommended to use credit cards at least once a month and repay them in full. This helps to improve personal credit rating, get higher credit limit and more favorable interest rate.

There are many online loan big data systems that can provide this service for online loan record inquiry. For example, in the "103 data" system, you can find important data information such as online loan application record, application platform type, overdue, overdue amount, credit card, estimated credit line of online loan, etc. This information can help you better understand your credit status and financial situation, and help you make more informed financial decisions.