Before 24:00, credit card holders must be careful when making repayments before the due date specified by the bank (including the due date). And if you choose to repay on the day of repayment, you must pay attention to the deadline set by the bank. It's just that different banks have different rules. Most banks allow you to pay before 24:00 on the payment day, but some banks require you to pay in advance. If you don't know exactly when the time limit is, you can also talk to bank staff. However, you should also know that the bank will automatically charge you, and most of the last automatic charges in the bank system are between 19:00 and 21:00, so cardholders are best to pay before then. Otherwise, there will be no withdrawal due to expiration because the bank has not deducted it. It is recommended that you repay before the repayment date, so that you don’t have to worry about overdue situations due to carelessness

: Credit card repayment 1. Overseas credit card refund companies use all repayment methods. The additional repayment, that is, helping you advance the 100,000 on your credit card, will cash out the 10W immediately. Although your bill has been paid this month, this method is too rude and can easily be judged as a violation and your card will be blocked. Once the card is in use, you have to keep paying back the money in the card, and you can no longer cash it out, causing the capital chain to break. In addition, the handling fee for representing the company is also very expensive. You can get about 150-300 for 10,000, which is not cost-effective. Installment payment 2. If you repay nearly 10,000 yuan per month as recommended by the bank, you can only repay it but cannot withdraw it anymore, which will definitely be very stressful. Moreover, the handling fee for installment payment is also relatively high. Of course, if you have the ability to repay, you can also choose this method.

3. Use the minimum repayment amount. This method is the most common turnover method for ordinary credit card users. The advantage is that there is no penalty and it does not affect credit information. In fact, it doesn’t matter if the debt is less, as long as I give you a few hundred yuan more in interest. But for people like you who owe hundreds of thousands, the interest a year can reach more than 10,000 or nearly 20,000, which is very uneconomical. Bank interest is calculated from the second day of your consumption. It is 50,000 per day. For less than 10W, the interest is 1,500 per month and 18,000 per year. In this case, are you afraid?

4. Full repayment. The bill will be paid in one lump sum after sunrise. This is the best way to pay back the money, but it also requires a lot of money. If the bill is 100,000, then 100,000 will be needed to pay it off. installment. After the sunrise bill rises, the current bill can be repaid in installments, which can be divided into 3, 6, 9, 12, and 18/24 installments. The repayment pressure of this method is relatively small, but you will have to bear a certain installment fee. Minimum payment. Each bank will give you a minimum repayment amount (10% of the current bill) when issuing an invoice, which is also the least cost-effective repayment method. If the bill is large, it will pay high interest charges. The minimum payment is more money spent to secure your credit information, but it will cost more in interest.