"Credit card

Batch business" is the automatic repayment of credit cards.

You mentioned in your question, "How come the cash in the account was withdrawn without handling the automatic repayment service?"

What you are using is not an ordinary credit card, but a combined deposit and loan card.

According to Everbright’s regulations, “when opening an account, the system will activate the automatic repayment function by default. After the card is activated, on the due repayment date of each month, the system will automatically withdraw funds from the savings (debit) account. The due repayment amount will be deducted from the account and transferred to the consumption (credit) account."

Credit card repayments are usually recorded on the next day.

It seems that you took the initiative to repay the loan on the 13th, the repayment date, and it should be journalized on the 14th.

The deduction date for automatic repayment is also the 13th. Although your repayment amount has been received and the credit limit has been restored, the repayment has not been recorded yet, so the system will deduct the payment as usual.

Since the balance of 1143 yuan after active repayment is less than the 1929 yuan that should be repaid, automatic repayment can only deduct the balance and complete "partial repayment".

In fact, this automatic repayment is a repeated repayment.

If the overdraft amount after the last bill is less than this 1,143 yuan, an overpayment will occur, and the account balance will be expressed as a negative number.