Credit card credit is based on the monthly consumption amount in the billing cycle, not on each consumption. The frequency of credit card use will not affect the credit report. Cardholders can maintain a good credit record as long as they repay in full and on time.

However, if there are multiple credit cards under the cardholder's name and the credit line is relatively high, the total credit line of users will be relatively high, and if the debt ratio under the cardholder's name is also relatively high, it will have a negative impact on the credit business.

In addition, although frequent use of credit cards does not affect credit information, if it is used improperly, it will often affect the use of credit cards themselves, such as quotas, reductions and exemptions. Need to pay attention to the following points:

1, abnormal consumption behavior

If the cardholder's consumption type is very single and frequently concentrated in a certain consumption type, he will save money immediately every two days. This kind of credit card swiping behavior will easily be included in the bank's risk control, which will make the bank think that the cardholder has abnormal transactions and may use the credit card for the turnover of production and operation, which will lead to the bank controlling the transaction and restricting the use.

If users often spend in whole numbers, for example, the amount is an integer multiple of 100, and the POS machines that swipe cards are all low-rate POS machines, it is easy for banks to think that users are illegally cashing out their credit cards and illegally obtaining credit card funds, which directly leads to the downgrade of credit cards. In addition, illegal credit card points will also be controlled by banks, resulting in limited use.

2. Regular minimum repayment or installment payment

If the cardholder has always been the minimum repayment or installment, although the minimum repayment or installment can bring profits and fees to the bank, on the other hand, it will also make the bank think that the cardholder's repayment ability is insufficient. This behavior lasts for a long time and it is often difficult to increase the amount.

3. Illegal use of cash by installment.

At present, many credit card centers have opened cash installment business, with clear provisions on the use of funds, which can only be used for personal consumption, not for investment and wealth management, production and operation, and industries prohibited by the state. If the bank finds that the cardholder's funds are used illegally, it will require the cardholder to repay in advance, and it will be impossible to handle the cash installment business in the bank in the future.