新版征信即将来了，信用卡这样还款，随时有降额封卡的风险
随着信用卡在人们生活中的普及，人们越来越钟爱使用信用卡，但在人们的印象中，还款的话就是老老实实往里面存钱，但信用卡却是拥有额度循环利用的功能。
随着移动支付的兴起，人们现在越来越喜欢使用信用卡里面的资金来消费，而自己的钱用来理财。虽然现在p2p平台不断暴雷，人们想拥有之前那种高收益的理财也几乎没有了，但是一些保本的理财还是可以让人们有所收益。
但使用信用卡消费，大部分人都不能合理的把控自己。当信用卡账单出来以后，还款金额远大于自己的收入，那么就面临着还款压力。但是针对信用卡来说，它的好处就是只看进账而不看出账。比如信用卡有20000元，花了10000元，而自己没有能力还款。可以将剩余的10000元取出来，还了之前的10000元，那么本期的账单就可以清除。
但是小编想告诉大家的是，如果取出来的10000元还进去以后，那么千万不要刚还进去就花掉，也不要马上就取现。
但使用信用卡消费，大部分人都不能合理的把控自己。当信用卡账单出来以后，还款金额远大于自己的收入，那么就面临着还款压力。但是针对信用卡来说，它的好处就是只看进账而不看出账。比如信用卡有20000元，花了10000元，而自己没有能力还款。可以将剩余的10000元取出来，还了之前的10000元，那么本期的账单就可以清除。
但是小编想告诉大家的是，如果取出来的10000元还进去以后，那么千万不要刚还进去就花掉，也不要马上就取现。
根据银行不同，有的银行虽然你还进去了，但是银行统计帐需要1到2天。如果刚存进入就花掉的话，也许银行是不会统计到这笔订单，如果造成逾期。
新版征信即将来了，之前信用卡的还款记录和消费记录会保持两年，但现在记录会保持五年之久。如果频繁逾期。那么对你的信用也会造成不好的影响。而且如果刚还进去就花掉的话，银行也会判断你的资金周转困难，信用卡的额度也会随时给你降额或者封卡。
综上，大家在使用信用卡的时候，一定要合理消费。而且建议大家还进去的钱最好是间隔1到2天后进行消费。
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