If credit cards are often spent in large amounts, but in different businesses and at different time periods, this will not affect the subsequent use of credit cards. The amount, time and merchants of frequent large-scale consumption of credit cards are fixed, so there is a certain suspicion of cashing out. At this time, the risk control of the bank may be triggered, resulting in the inability to continue using the credit card. Therefore, when spending by credit card, it is best not to spend in the same merchant. Once the bank's risk control is triggered, it will take some time to remove the risk control.