There is no clear value, mainly depending on the cardholder's demand for the card. For example, it is not impossible to brush the limit coupons for real consumption. Occasionally, you can swipe your card too much, but you don't agree to do so. Credit card will be overdue, especially if it exceeds the cardholder's repayment ability and cannot be repaid in full. Some people may choose installment payment or minimum repayment. Although it can avoid overdue, it is also a manifestation of insufficient repayment ability. Second, swiping cards often comes into contact with the risk control system, which closely monitors the cardholder's card use behavior. According to the advice of many card friends, it is best to swipe 70%~80% of the credit card every month, which can not only reflect the spending power of cardholders, but also make banks worry about their inability to repay.

As mentioned above, credit cards generally charge 70%~80%, so at least 20% of the credit limit should be left every month. For example, for a credit card of 654.38+100000, at least 2000, preferably 3000, should be left. However, if the credit line of 10% is a little small, it will be easily subject to bank risk control. On one occasion, some non-cardholders swiped 90% of the credit card limit and received an early warning message from the bank, informing cardholders that the credit card limit had exceeded 90%. It is recommended to pay off part of the arrears before swiping the card, so as not to affect the use of credit cards. In this case, banks often suspect abnormal consumption operations and identify them as high-risk customers, so in order to avoid risks, they should leave as many lines as possible.

If the cardholder wants to withdraw the amount, the cardholder's credit card had better charge 70%-80% every month, which can not only reflect the cardholder's spending power, but also dispel the bank's concern about the cardholder's insufficient repayment ability. If the cardholder doesn't want to withdraw cash, he can swipe the monthly amount in his credit card. It should be noted that the credit card limit is brushed at one time, or only a large amount is brushed, which is easy to cause the bank's risk control and is suspected of cashing out.

The issuing bank has no regulations on users who swipe credit cards. Those who want to increase the quota can brush more and brush less. Cardholders can only apply for a certain amount of credit cards if they meet the requirements for handling cards.