Empty card repayment refers to the repayment behavior of users when the available credit line of credit card is lower than 10% credit line. After repayment, the credit line is restored, and users can continue to use credit cards for consumption. It should be noted that if the available credit card remains below the credit line of 10% for a long time, it will be recognized as cash by the bank at this time, which is very unfavorable for users to use credit cards.

Users must repay on time, and there can be no overdue repayment, because there will be penalty interest for overdue repayment. The longer the time, the more penalty interest. After the overdue, the bank will collect the credit card. The common collection method is to call the cardholder.

It should be noted that the overdue repayment of credit cards is based on the credit information collected at the meeting, which will affect the handling of various loans, such as car loans or mortgages. If the credit card is overdue for a long time, the bank can sue the cardholder and must return it after the court decides.

When the credit card cannot be repaid on time after use, users can use the credit card installment function, which can reduce the monthly repayment amount of the credit card and avoid overdue repayment. It should be noted that credit card installment repayment will occupy the credit limit and affect the normal use of credit cards.