Does Harbin Bank of China Credit Card have a credit limit for interest first and then principal? If we follow the repayment model of Harbin Bank Credit Card, which is interest first and then principal, then of course there is a credit limit for such a repayment. After you have repaid the principal and interest, the principal you paid back will become a quota, so this repayment model is also a normal repayment model, so of course there is a quota. Of course, one of his interest payments is first deducted, and what remains is his credit limit. This is such a setup.