Why is it not recommended to repay a credit card with a loan? Nowadays, banks and financial institutions can provide various consumer loans, but when applying, you must choose a clear purpose of funds. Usually they can only be used for personal consumption such as consumption, decoration, travel, etc. Generally, special funds are required, and None of these uses mention that it can be used to pay off debts, such as credit cards. However, many people wait for the consumer loan to be disbursed to their bank card and then transfer it to their credit card for repayment, and there is no obstacle that they cannot use this consumer loan. As for what will happen if you use a consumer loan to repay a credit card, usually as long as the cardholder can repay the consumer loan on time, it won't have much impact, but it still depends on the nature of the funds. For example, if a bank provides a consumer loan, in addition to checking whether the borrower is able to repay the loan, it will also monitor the use of the money. For example, if the use is found to be suspicious and different from the application submitted, the loan may be disqualified. People provide consumption vouchers to verify actual usage. Of course, this voucher cannot include credit card repayment vouchers. If the borrower is unable to provide corresponding vouchers, or provides credit card repayment vouchers, it will be regarded as illegal use of consumer loans, and it is very likely that the borrower will be required to settle the loan in advance, which will cause serious consequences to borrowers with weak financial capabilities. There is great repayment pressure. If you cannot pay it off at once, it will be overdue. Not only will it affect your credit, it will also incur penalty interest and liquidated damages. The above is the relevant introduction to "Why it is not recommended to repay a loan with a credit card". I hope it will be helpful to everyone.