Frequent use of credit cards and timely repayment may have an impact on the user's credit card. If a user frequently swipes his or her credit card and repays it in a timely manner, the bank may suspect arbitrage and take risk control measures, such as freezing the credit card. However, occasional swiping and timely repayments will have less of an impact on credit cards. Before using a credit card, users should ensure that the repayment amount has been received to avoid late repayment.

Late repayment will affect personal credit, cause the bank to charge overdue penalty interest, and increase the user's repayment burden. Therefore, users need to carefully manage their credit card use and ensure timely repayment to maintain a good credit record.

Can I pay off my credit card in advance before the bill is issued?

Prepayment by credit card is possible, and there are usually no user fees. Under normal circumstances, the order of credit card repayment is to repay the outstanding balance first, and then repay the outstanding balance. The excess amount will form an overpayment. When the user uses a credit card to make a purchase, the corresponding amount will be deducted from the overpayment first. If there is still an overpayment balance, the bank will use it to repay the outstanding balance on the repayment date. Users should note that some banks may charge handling fees to withdraw overpayments. Therefore, users should pay attention to relevant regulations when using credit cards to avoid incurring additional charges.