As long as the designated repayment time of the credit card has not yet arrived, the cardholder can repay in advance. The bank has no clear limit on how many days in advance the credit card can be repaid. Generally speaking, after the bill is issued, the cardholder can repay in advance without waiting for the repayment date. And if the cardholder repays the loan early, the credit card limit can be restored faster. Therefore, if the cardholder feels that the limit is not enough, he can repay in advance.

Banks approve credit cards for cardholders in order to stimulate consumption and bring more income to themselves. If repayments are always made in advance, the bank will question the customer's consumption needs. Therefore, in order to avoid wasting resources, banks generally take measures to reduce the credit limit, which will have a negative impact on future credit card limit increases.

Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve.