If you are a user who pays more attention to credit cards, you will know that although banks do not seem to have many requirements for the use of credit cards, in fact, if you are not careful, it can easily cause the card to be risk controlled. . Especially for friends who want to increase their credit card limit, they need to pay more attention to the details of daily use. Can the credit card limit be used up in full? Such users don’t have to worry at all!

Under normal circumstances, as long as it is within the limit allowed, everyone can swipe the card for consumption at will, so it can be completely swiped. But generally we don’t recommend that you do this, because from the perspective of banks, users who frequently empty their credit cards are often in poor financial situations, and the risk of lending will be relatively high. When applying for a limit increase in the future, the success rate will also be lower. Straight down. Of course, if you don’t have much desire to increase your credit limit, it’s not impossible to use up your card limit. But there is one more thing to note: after you have exhausted your limit, you must ensure that you can repay it on time. If it is overdue, it will bring you a lot of unnecessary trouble, especially in terms of credit qualifications. If there are overdue stains on your credit report, you will easily be rejected when you apply for other loan products later.

If you don’t need to increase your credit limit and have enough repayment ability, you don’t need to pay too much attention to your usual credit card consumption limit. However, you still have to pay attention when choosing a merchant to use your card, because not all users are welcomed by banks. Each bank has its own whitelist of merchants. There is no problem with spending at such merchants, but if you spend at other merchants, it is easy to be risk controlled by the bank. Previously, some users purchased from such sensitive merchants and received risk control information from the bank just after settling the account, so everyone should pay more attention to this. If you only use it accidentally once in a while, the impact will not be great, but if you use it frequently, it may cause your credit card to be reduced.

If you encounter anything else you don’t understand when using your credit card, you can check it out at any time.