Paying off credit cards one by one will have an impact. It is not feasible to simply repay one payment by swiping the card, because most of the users who use credit cards are people with tight funds. For such users, it is impossible to repay the money immediately after swiping the card. money. For friends who want to increase their credit card limit, such consumption behavior cannot achieve the purpose of maintaining the card, and may even have the opposite effect. Most people will not consume and repay at the same time. Doing so can easily leave a bad impression on the bank. There will be opportunities to increase the limit, and there will also be risks of lowering the limit. Moreover, once the limit is reduced, it is not easy to increase the limit. , so everyone should do it and cherish it, but don’t be clever. : 1. The credit card limit is approved by the bank. Within this limit, as long as you are not overdue, no matter how you use it, no matter when you use it, whether it is a large amount or a small amount, as long as you are not overdue, within this range Within, there are no problems. Quota is a judgment on a person's qualifications. Since the bank gives you so many quotas, it means that the bank recognizes your qualifications. As for how you use it, that is your business. 2. In addition, banks want to make money through credit cards, and of course they hope that the benefits will last for a long time. This requires users to continuously swipe their cards in a cycle, which will bring more benefits. If you do not recycle your credit cards, then the bank’s income will not be as good. It will last for a long time, so what the bank needs is for you to pay it back at the same time. This not only proves that you have the ability to repay the loan, but also represents that you have the ability to consume. There is just one situation that has always been stuck on the edge of reasonableness, that is, using POS for repayment. Third, logically speaking, as long as the rate is sufficient, the bank will not actually care whether you use the POS machine to swipe your card. , but there will always be some unscrupulous merchants who let the POS code jump and obtain the benefits that should originally belong to the bank. In this case, even if you are not overdue, it will cause a lot of trouble. Because the POS machine you are using has already involved the bank's interests, and the credit card is given to you to create profits. If the bank's interests are "robbed", your credit card will certainly not be in trouble. 4. In daily life, for everyone’s consumption bills, it is best to repay after the monthly bill is issued, and not to exceed the repayment date. It is best to have more than 3 days from the repayment date to achieve the best result. Effect. As for the daily credit card swiping behavior, try to maintain a combination of large and small amounts, with small amounts as the mainstay and large amounts as the supplement, and keep the total monthly card swiping amount to about 80% of the card limit. As for the types of consumer merchants, they should also be mainly whitelisted merchants within the bank. Points can also be accumulated and used to redeem various gifts. However, everyone should pay attention to their credit card limit, and remember not to have integer values, such as 5000, 1000, etc. Consumption with such values ??can easily be controlled by the bank and even cause the card to be derated.