The current period's bill that has been paid off refers to the previous period's bill, and the display of outstanding debt refers to the total arrears or the accumulated arrears in the next period.

There is no relationship between the current period's bill and the total debt. Each credit card payment is for the previous period's debt. The rest of the total debt can still be repaid on the monthly billing date, and there are still some outstanding debts. It is normal for the bill to show that there is still a balance due. Especially users who apply for installments have fixed arrears and handling fees that need to be repaid every month. If you pay off all the debt at once, it will show that there is no debt outstanding.

There are also some bills that may have been paid in installments for previous purchases, or some bills that have not been entered into the account. They will be entered into the account after you pay off the outstanding balance of the month, so the outstanding balance will be displayed again, so be sure to Pay attention to whether there are any unaccounted debts, otherwise you may think that you have paid off the current month's debt, but in fact, it has already begun to accumulate later, and the calculation is also the current month's debt, and you need to pay it off in time before the repayment date. .

Here, I will introduce you to some repayment tips:

1. Remember your bill date. If you consume on the bill date, the repayment for the consumption on that day will be calculated into the next month's bill. For example, if your monthly bill date is the 5th and the repayment date is the 30th, then your monthly bill will be on the 5th of July. The outstanding balance for consumption on August 5th will be calculated into the bill on August 5th, which means you can repay it on August 30th. (At the same time, the billing date can be modified by calling the bank service hotline directly. You can flexibly choose the repayment time according to your repayment ability)

2. Bill installment. If you are unable to repay one bill in full, you can apply for bill installment. In other words, dividing this bill into several installments will incur corresponding handling fees, but this is a way to alleviate the temporary inability to repay. To apply for installment repayment, you can also directly call the bank service hotline to apply.

3. Grace period. There is a grace period for credit card repayments. Each bank provides at least a 3-day grace period for repayment. For example, if you want to repay on the 25th and you cannot do it, the bank will allow you to repay it before the 28th at the latest, as long as it is If you pay it back within this time, it will not be considered an overdue payment.

4. Minimum repayment amount. Credit cards can be repaid with the minimum repayment amount, but once you choose the minimum repayment amount, you will not enjoy the interest-free period. The minimum monthly repayment is generally 10% of the amount you should repay plus interest and other fees. Compared with repaying in full, choosing the minimum repayment can alleviate temporary financial pressure.

5. Interest-free period for repayment. Credit cards have an interest-free period for repayment, which usually ranges from 20 to 50 days. In other words, if you use your credit card on a certain day, as long as you repay before the interest-free period, you don't have to pay any handling fees and interest. of.

6. Foreign currency cannot be repaid automatically. Credit card purchases in foreign currency cannot be automatically repaid. Many banks will default to automatic repayment only for RMB accounts, and foreign currency accounts need to purchase foreign exchange for repayment. For the sake of convenience, many people are accustomed to binding debit cards for automatic repayment. If you wait for the bank to automatically repay the card, overdue interest will be compounded.