Credit cards are repeatedly swiped, as long as there is no suspicion of cashing out, it will have no effect. It is normal for users to swipe their credit cards repeatedly when spending. And users in a certain business, the same time point, the same amount of consumption, repeated several times will be suspected of cashing out. So credit cards should also be standardized. _ When the user swipes the card, try to swipe the card on the regular POS machine. At the same time, they should also pay attention to the time and amount of consumption.

Will frequent credit card swiping affect credit reporting?

Actually, a credit card is not a credit card. Only the available credit limit, consumption limit, total credit limit and repayment situation of this card and the average credit limit of 6 months are displayed every month. Therefore, frequent credit card swiping can't be seen from the credit information. As long as the credit card can repay on time, it will not affect the credit information.

However, frequent card swiping also has disadvantages. Now, with the tightening of bank risk control, too frequent credit card swiping will be considered as an abnormal transaction, which will be subject to systematic risk control, restrict the use of credit cards, and even reduce the credit card limit or seal the card. So at sensitive moments, everyone should pay attention to the frequency of credit card swiping.

Under normal circumstances, it is best to swipe your card with offline POS machine no more than three times a day, and if you swipe your card with different merchants, the interval between swiping your card should not be too short, at least once every half hour for the second time. Try to swipe your card with UnionPay POS machine and pay less for POS with third parties. A number of banks have added third-party payment POS machines to the grey list, and will no longer score.

In addition, you should keep the consumption voucher at any time after swiping the card. As long as it is a real transaction, even if the bank has any objection to the transaction, as long as the consumer certificate is provided, the suspect can be removed. If the credit card is accidentally damaged or stopped by the bank, you can file an objection application and ask the bank to resume using the card.

If credit cards are frequently used and frequently maxed out, it will also have an impact on future credit card withdrawals. This will make banks feel that cardholders are short of money in the near future and worried about their repayment ability, so they are unwilling to withdraw their credit cards, which may even lead to the cardholder's credit card being downgraded. It should also be noted here that in the process of using credit cards, you must remember to repay on time. Many banks will have a grace period of 2-3 days for repayment. If you don't repay in time on the repayment date, you should also try to pay off the arrears within the grace period of repayment, so as not to be overdue. You know, once a credit card is overdue, it will be reported by a credit reporting agency, and you need to pay a certain penalty interest or late payment fee to increase the repayment pressure. Repeated overdue may even lead to the direct freezing of credit cards.