As long as you can pay back the money on a monthly basis, it won't affect. But if you spend it all at once next month. I'm afraid you are suspected of cashing out. I don't know when the bank will close the net. Basically, your operation is just licking blood. The bad thing about banks is that they pretend not to know at first. When you really have no money to turn around, they start to tighten up and let you reduce the quota, so that you basically have no room, and famine is formed.