There may be three reasons why the credit card shows that it has been paid off when it has not been repaid: refund to offset the arrears, compensation and automatic repayment.

The repayment date of CCB credit cards is generally 20th of each month, and users can adjust the repayment date voluntarily, but only once a year. Under normal circumstances, if the user does not set the repayment date of the credit card, the repayment date will default to the 20th of each month. If the user has requirements on the billing date and repayment date when handling the card, the bank will handle the card according to the relevant requirements. At the same time, if the user's card has not been activated, the repayment date is calculated according to the time when the user activates the card.

There are several ways to repay CCB's credit card: 1. Repayment through online channels: online banking, repayment through third-party payment tools (such as Alipay and Tenpay), and repayment through mobile banking. Second, offline channel repayment: business hall repayment and ATM repayment.