using a credit card is the next month's repayment, that is, the consumption of the current month needs to be repaid before the repayment date of the next month. According to Article 57 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the card-issuing bank shall clearly stipulate the specific operation procedures of repaying credit card loans with the relevant assets of the cardholder in the credit card collection contract (agreement), and shall not directly offset credit card receivables with the assets of the cardholder without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations. When the card issuing bank receives the repayment from the cardholder, it will repay all the arrears in its credit card account in the following order: if it is overdue for 1-9 days (inclusive), it will repay the interest or expenses first and then the principal; If it is overdue for more than 91 days, it shall be repaid in the order of principal first, interest receivable later or various expenses.

measures for the supervision and administration of credit card business of commercial banks article 61 the issuing bank shall provide reconciliation services. The statement of account shall at least include the transaction date, transaction amount, transaction currency, name or code of the transaction merchant, repayment amount in the current period, minimum repayment amount in the current period, due repayment date, matters needing attention, service telephone number of the issuing bank and other elements. The specific form of reconciliation service shall be agreed by the issuing bank and the cardholder. When the issuing bank provides the cardholder with statements and other service vouchers, it shall partially block the credit card number and shall not display the complete card number information. Except for the business vouchers printed by the bank counter for business.

1. Can credit cards be repaid in advance

Credit cards can be repaid in advance; And there is no need for any handling fee. Under normal circumstances, the repayment order of credit card is that the bill has been paid first, and then the bill has not been paid. The rest of the money becomes "overpayment", and the credit card consumption will default to paying the overpayment first. Some banks charge a handling fee to take out the credit card overpayment, which needs to attract the attention of cardholders. That is, if we have both the issued bill and the outstanding bill of the credit card, our repayment will offset the issued bill first, and the remaining money will repay the outstanding bill. Whether it is full or partial payment, the credit limit of the cardholder's credit card will be restored, but the repayment amount paid will be restored. If the current bill is not paid on the last repayment date, there will be a late payment fee, which may also affect the cardholder's credit record.

second, can I repay the loan in advance when I apply for installment?

The installment business of credit card involves installment fees, some banks charge them in one lump sum, while others charge them in installments. Generally speaking, you can repay in advance if you have handled the credit card installment business. For example, if you have handled 12 installments, you will have plenty of money by the sixth installment, and you want to repay in advance, this is ok. However, if the credit card is repaid in advance after installment, the installment fee is often non-refundable or the bank will accept the fee for the remaining installments. However, at present, ICBC and CITIC in domestic banks do not charge the installment fees for the remaining installments, while CITIC credit card fees are charged by installments. In the process of bill or single installment, one-time repayment can be made in advance. After prepayment, the fees incurred in the previous period will not be refunded, and the fees that have not yet been generated will not be charged.