1, the credit card bill was repaid a few days ago, which lost the meaning of using the credit card. Many people mainly think that they can prove their repayment ability in this way, indicating that they have sufficient funds and can repay at any time. However, the monthly credit card consumption reflected in the credit report is the same even if it is paid before the bill date.
2. If the repayment is made before the bill date and the cardholder's capital utilization rate is low, the bank will think that the cardholder has little demand for the quota. If the bank gives the cardholder a higher amount, it won't be necessary. Then the bank will certainly not easily increase the credit card.
3. For the cardholder, it is impossible to calculate the actual amount owed. For example, this month's credit card may have credit card consumption and cash withdrawal, and it may be necessary to add various interest charges generated by the cardholder in the early stage. If the calculation is not accurate, it may happen that the cardholder thinks that the money has been paid off, but the bill still shows the arrears.
Second, credit cards.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
Third, the repayment method of credit card
1, the issuing bank repays.
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc.
2. Micro-silver POS mobile phone
POS mobile phone of Weizhong Bank is a personal payment terminal of mobile financial system, which can be used for credit card direct repayment, transfer and other services, and can be received immediately.
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Payment by Xinfutong
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.