Credit card hacking refers to the use of credit cards that are overdue multiple times and maliciously fail to repay, resulting in long-term late payment fees and interest, and overdue payments for more than 90 consecutive days.

After being judged as having a black account on a credit card, any other business you go to the bank to handle will be affected, especially applying for a credit card, which will be the most affected. A black account will cause any future bank credit cards and loans to be rejected.

If there are no special circumstances, it is recommended that after using the credit card, pay off as much as possible before the final repayment deadline, and it can also add a good credit to your personal credit record. Why not? Why?