1. The borrower's practice of using credit card flow instead of bank flow is not recognized by the bank. More directly, it is impossible to get a loan from the bank.

2. During the audit, the bank focuses on the borrower's repayment ability in the future. From this point of view, the situation reflected by bank flow and credit card flow is essentially different. Bank running water refers to the borrower's income, which can reflect the borrower's repayment ability, while credit card running water can only reflect the borrower's consumption.