This is fine if the cardholder only charges up their credit card occasionally and then repays the bill slowly in installments. But if you do this for a long time, it will trigger the bank's risk control system and it will easily be reduced.

First of all, repaying bills in long-term installments, or even paying only the minimum payment amount for a long time, will make banks think that the cardholder's repayment ability is insufficient. When the debt ratio surges, the income does not improve much. . In order to prevent cardholders from overdue credit card bills, banks will choose to reduce the credit limit of cardholders.

In addition to the above situations, if the cardholder frequently uses up his credit card, in the eyes of the bank, he is a customer with greater financial risk. People with high debts are not particularly favored by banks. Continuously using large amounts of empty credit cards can be said to be a minefield for credit cards.

In addition, cardholders should also be careful not to frequently repay in advance and not to frequently make the repayment time unstable. This can easily be assessed as an unstable economic situation and a high risk of overdue payments. Therefore, when repaying, try to repay in advance on a fixed date to reduce the overdue risk index. Don't look for some repayment agencies to repay your credit card bills, as this will more easily lead to risk control. If the circumstances are serious, it may even directly lead to the cardholder being blocked.