after credit card consumption, it will be counted as points if it meets the points calculation rules. After that, no matter whether the user repays in advance or on the repayment date, this point will not be cancelled. Unless the user applies for a refund, there is no fact of consumption, and the system will deduct this part of the points according to the refund amount.

In addition, some banks do not calculate points in online transactions, so it is necessary for users to know the points calculation rules of their credit cards before spending.

how to prepay by credit card?

there are two ways to prepay credit cards, one is to apply for installment, and the other is not to apply for installment. The details are as follows:

1. Credit card prepayment by installment. You can pay it off in one lump sum in advance, but the cardholder needs to call the customer service of the credit card center in advance to help with the installment procedures. When repaying, besides the installment amount, you also need to pay the installment fee.

2. The credit card has not been repaid in advance by installment. You can directly transfer money to bank outlets, WeChat, Alipay, etc. for repayment.