Detailed reasons:
Credit card cash withdrawal charges a certain fee;
Last month's bill can be cashed back, cashed in that month, and the bill will come out next month;
Withdraw cash for repayment, take it in the current month, and pay it back after the bill is issued, with only handling fee and no interest.
Solution:
Withdraw the cash after the bill date of last month and calculate the bill of the current month;
It will be fine before the repayment date next month.
Summary: It doesn't matter if the bank uses the card to withdraw cash and pay back last month's bill. Withdraw the cash first, and then issue the ticket.
Overdue repayment of credit cards will have the following consequences: generating overdue interest, increasing the repayment limit, polluting the credit information system and facing prosecution. If it can be understood by banks, we should consider asking banks to cancel their bad credit records. If it cannot be revoked, the bad record will be kept for 5 years, which will affect the borrower's financing possibility in the future.
Legal basis:
Article 119th of the Civil Procedure Law
Prosecution must meet the following conditions:
(1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case;
(2) Having a clear defendant;
(3) Having specific requests, facts and reasons;
(4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.
What if the credit card is overdue?
1. Continue to use.
After the deadline, the best way is to continue to use this card and overwrite the original bad record with the new normal repayment record. Generally, a new credit record will be generated, and personal credit will not be affected after refreshing the record.
For long-term overdue, credit cards will be profitable and there will be high overdue fines. If you run away, the bank will think you overdraw maliciously and call the police.
2. Apply for deferred repayment
If you can't repay on time due to unemployment, illness and other reasons, you can explain your financial situation before the repayment period, apply for deferred repayment and interest concessions, and you must not maliciously breach the contract.
3. Repay in full and on time. If you accidentally forget to repay the loan, you must repay it in full as soon as possible after it is overdue, and it is best to repay it in full, because you can call the bank to explain that it is not a malicious breach of contract and ask to delete the overdue record.