Zhang Xiaodong is a white-collar worker working in Lujiazui financial and trade zone. He is fluent in foreign languages, has a decent job and earns more than most of his peers... However, such an enviable promising young man who recently wanted to buy a house with a loan was listed as a "member with poor credit" by the bank, and his loan application was rejected.

Why? Depressed Zhang Xiaodong found the bank and wanted to ask what happened. The answer made him laugh and cry. He often withdraws three hundred yuan from the bank because he often withdraws two small loans. Therefore, the bank credit evaluation system believes that Zhang Xiaodong's financial situation is poor and has a high probability of being unable to repay the loan, so it is recommended to refuse the loan.

Zhang Xiaodong was speechless when he made such "credit rating" to the bank. In fact, Zhang Xiaodong doesn't need money. Usually, there will be a balance of 20000 or 30000 yuan in his salary card (debit card), and the salary card is put in his wallet together with his credit card. He can use his salary card instead of a credit card to withdraw money from the ATM. However, Zhang Xiaodong has developed a "bad habit" since he applied for a credit card - when he is in urgent need of cash, he will always draw out his credit card. According to his explanation, he likes to use credit card. He doesn't care about the handling charge and overdraft interest for cash withdrawal from credit card.

Zhang Xiaodong's distinctive preferences have "misunderstood" the bank's credit evaluation system. Generally speaking, he often withdraws cash by credit card, and the amount is between two or three hundred yuan. Most of them will be judged by the bank as cash flow shortage, income instability and overdue suspicion. Coincidentally, the bank that Zhang Xiaodong applied for the mortgage was his credit card issuing bank. When the bank staff checked his historical data, they found that his credit card consumption record was really "bad". The credit card was always charged with overdraft interest by the bank, so they refused his loan application.

Although the bank's explanation is reasonable, Zhang Xiaodong still doesn't understand, "since the bank doesn't approve of cardholders' cash withdrawal, why do many banks still advertise, half the cash withdrawal fee and reduce the overdraft interest? Isn't this self contradictory? It's confusing".

After some debate, Zhang Xiaodong finally vindicated his "grievance", and the bank approved his preferential interest rate mortgage. But the bank also warned him that the credit card is a financial payment instrument mainly for card consumption. The bank has always encouraged cardholders to use the card for consumption and does not advocate withdrawing cash with the card. Therefore, a high service charge and overdraft interest will be levied on the withdrawal of credit card.

Now Zhang Xiaodong has learned a lesson and is in urgent need of cash. He uses his salary card to withdraw cash from the ATM.

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