It is not a taboo to repay your credit card on the due date. In fact, as long as you can repay it on time within the specified repayment period, it will not cause any adverse effects.

Therefore, just pay attention to the repayment before 24:00 on the repayment date, and the repayment amount is not lower than the minimum repayment amount of the current bill.

Many banks also provide a grace period for repayment. If you cannot repay before the repayment date (inclusive), you can still repay on time during the subsequent grace period.

If you have money in hand, you can choose to make early repayment before the repayment date.

Of course, if you have bound a repayment bank card and signed an automatic repayment agreement with the bank, you only need to recharge the repayment bank card regularly, and the bank system will automatically charge it on the repayment date. Deduct the corresponding amount to offset your credit card bill.

It is also important to note that if you can pay it off in full, pay it off in full. Although as long as the minimum repayment amount of the bill is paid before the repayment date (inclusive), it will be regarded as normal repayment, and there will be no retention. What bad records are there?

However, if the minimum repayment is continued, the bank may think that the repayment ability is insufficient, and it may be reduced.

In order to maintain a good credit record, we must also pay attention to our own online loan big data in a timely manner. You can click on "Zhiyi Big Data" to query and you can see your own online loan big data report. , to maintain good credit at all times.

Extended information:

Can a credit loan be paid on the same day?

Most credit loans will mention the disbursement speed in the introduction of their products. Generally speaking, as long as it is said that the disbursement can be made on the same day, it can basically be achieved.

However, it should be noted that the speed of credit loan disbursement is affected by many factors. If it is said that the loan can be disbursed on the same day but in fact it is not disbursed, you can find the reasons from the following points.

1. Types of lending institutions

Credit loans are not only offered by banks, but also by many online lending institutions.

However, the threshold for applying for a credit loan at a bank is higher than applying for a credit card through an online loan. The review time will be longer, and the disbursement speed may not be as fast as online loans.

2. Loan application time

Although there is no specific limit on the time for credit loan application, you can borrow money anytime you want, but it is still recommended to try to avoid this time during work every day. To borrow money during peak periods, for example, you can apply for a credit loan in the early morning. Usually the quota has just been released that day and is sufficient, so you don’t have to worry about not having enough quota to make a payment.

3. Borrower qualifications

Credit loans will be evaluated based on the borrower's credit conditions, so the borrower's qualifications are also an important reference factor that affects whether the loan can be issued on the same day.

For example, if different borrowers apply for the same loan product on the same day, one of them has good credit and stable repayment ability, and can make a payment on the same day.

On the contrary, if one of them has a defective credit report, or has high debts and poor repayment ability, but meets the loan requirements, the system may take a while to review the loan, and the payment will not be issued on the same day but the next day. payment.