It is very important to repay the credit card in time, otherwise it will be overdue if you are not careful. Generally, you will repay according to the bill, but sometimes the bill will show that you don't need to repay, so why don't you need to repay the credit card? Will non-repayment affect credit? Below, I will briefly introduce it.

If everyone's credit card shows that no repayment is required, there are several common situations:

1. After the credit card is paid off, the credit card is no longer used, and the credit card limit is not used up, so there is definitely no need to repay. There is also a useful credit card that can take advantage of the overpayment on the credit card. The money is our own, the transaction amount is less than or equal to the overpayment, and there is no need to repay.

2. Anyone who has used a credit card to spend or withdraw cash has paid off his debts before the credit card bill comes out. As long as the repayment amount * the amount owed, there is no need to pay back the bill after it comes out. In other cases, the credit card debt is negative rather than zero, which indicates that it may be overspent.

Many cardholders use credit cards to buy things, but apply for a refund. The money was returned to the credit card account before the bill was issued, so that the bill showed 0, because the refund amount offset the amount owed, and there was no need to repay.

In the above three cases, the bill shows that the repayment amount is 0, indicating that there is no debt in this period, and the bank said that it is not overdue.

If you are really worried, you can call the bank's service hotline and ask the customer service to help you check the current bill arrears and see if you need to repay it.