If the credit card is blacklisted by the bank, it can still be used if it is repaid on time, but generally, if it is blacklisted, the card will be frozen and copied. Once you have a bad credit record, you can't apply for credit cards and loans. Users who don't know about the use of credit cards can get a credit card analysis report through card detailed investigation, which will analyze your consumption index, consumption records and transaction profile, and also give a credit card risk score and withdrawal probability to help you find the key to credit card withdrawal. Maintaining good repayment habits and using more credit cards will also help banks automatically increase the credit limit of cardholders.