Does credit card withdrawal affect credit reporting?

April 24 22:07:58, 2023

Summary:
In addition to overdraft consumption, credit cards can also be cashed out. Does the use of credit card withdrawals often affect the credit history?
In fact, cash withdrawal itself will not affect personal credit information, but it is also related, because credit card withdrawal is actually an overdraft method. On the last repayment date, the cash withdrawal and interest generated will also be returned to the bank. Otherwise, the bank will still be recorded in the credit information system if it is overdue, thus staining the good credit history.
Cardholders need to pay attention to:
1. Whether you use a credit card to swipe or withdraw cash, you must ensure that the arrears are paid off before the final repayment date.
2, using a credit card to withdraw cash not only has a handling fee, but also interest on a daily basis, so if you do not need cash urgently, it is best not to use a credit card to take cash.
3, after using a credit card to withdraw cash, it is best not to repay on the last repayment date, because even if the bill is paid, as long as you do not pay back, the interest should be calculated on a daily basis until you pay off the debt. Therefore, it is recommended that the card friend, if you do not know how much money, can pay off the debt within one or two days after the bill is paid.

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