The limit usage rate should not be too high, that is, it is best not to approach "full use" when using credit cards every month, that is, if your limit is 65,438+00,000, then don't use 80%-65,438+000% every month. If you don't have other loan needs in the near future, that's fine. If other loans are being applied for in the near future, the bank staff will print out the records of all loans and credit card use in your name during the loan approval process, which is what we call the "People's Bank Credit Report". The approver can see the use and repayment of your credit card and loan through this report. If your credit card usage rate is too high, the approver will think that you need a lot of money in the near future, which will give them a feeling that you need money very much. And this kind of customer bank, which is in urgent need of money, thinks that the risk will be higher, so it will carefully examine and approve, which invisibly raises the threshold of your loan difficulty. Therefore, it is suggested that when using a credit card, you can use multiple cards to swipe a small amount. The main purpose of this is that once you have a loan demand, the bank will not give them the illusion that you need money very much when checking your credit report.