Nowadays, everyone has a credit card. Everyone thinks that credit card consumption is very convenient. No matter whether you have money or not, as long as you want to buy something, you can just swipe it directly without waiting for your salary. But credit card You cannot use it casually. Credit card consumption must abide by certain rules, otherwise it will be frozen. In serious cases, it may violate the law. Therefore, you must be more careful when using credit cards, and do not touch some taboos.

1. Excessive overdraft

This is what we often call credit card swiping and high debt. In the eyes of banks, this behavior basically shows that the customer is very short of funds or has the ability to control consumption. Not strong. If you go to a bank for a loan in the future and the bank sees your bad records, it may not lend to you because the bank is afraid that you will not be able to repay the loan and will be classified as a high-risk customer by the bank.

2. Empty your credit card at once

For example, your credit card limit is 30,000, and you use up all the limit in one purchase. This situation is the same as an overdraft. , later loan applications will also be affected. Brush it a few more times and don’t sit idle.

Do you know the four taboos about credit cards?

3. Overdue credit card

I believe everyone has heard this countless times. If you always wait until after the repayment date to repay, the bank will not even call you to urge you. Also, this kind of behavior is very bad. Failure to repay debts will definitely affect your credit. You may be blacklisted. You must use your credit card reasonably according to your consumption situation.