The so-called "paying back the credit card" is actually just a temporary pleasure, pushing one snowball after another into the future. Every bank has its own risk monitoring system. Now the system update is more and more strict, and this repayment behavior is easy to be monitored and found. In operation, you can monitor the "transfer in" and "transfer out" of money. Once found, the user's credit card will be frozen, the bank's credit card will be permanently banned, and personal credit reports will be recorded. Once it appears in the credit record, it is difficult for other banks to open a credit card for you.