It depends on how you use the card. If you want to return your credit card, you should swipe it in full once a month, and it is best not to return it frequently. As for full repayment and minimum repayment or installment, it is recommended that most of them be full repayment, and sometimes installment and minimum repayment are also made (to let banks make some money from time to time). This can increase the success rate. As for how much you can raise, it depends on your purpose, which is generally about 20 ~ 50% of the original.