Hello, the credit of credit card generally refers to the credit history of your credit card. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will refer to your credit history comprehensively, not only for a certain period of time, but also your credit will increase continuously if you can keep a good record of consumption and repayment.

Generally speaking, as long as you recharge your credit card normally and repay it on time, your credit will not be affected, nor will it affect your future loan business.