一、我已經欠了十萬多 across several credit cards. If I keep transferring balances monthly, will the bank notice? Typically, as long as the transactions aren't processed through low-fee machines, the bank is less likely to scrutinize such activities.二、Using a credit card responsibly is not considered fraud. However, it's also not encouraged. Fraud involves transactions made without the cardholder's knowledge or authorization, which is illegal.三、Can bank staff access my credit card information, such as my PIN and ID number, and use it without my permission? Bank staff do have access to certain cardholder information, like card numbers and IDs, but passwords are typically not known to them. If a bank employee somehow knows your password, that could be a security risk since others could potentially access your funds. It's important to be cautious with sensitive information.四、I owe the bank over 100,000 and am considering balance transfers. How much would the monthly fees be for this? The fees depend on the POS (Point of Sale) machine used. Generally, a fee of 0.6% of the transferred amount would result in approximately 600 in fees for a monthly transfer of 100,000.