1. It may be because the repayment was not recorded. Usually this situation is caused by your repayment through third-party platforms such as Alipay and WeChat or inter-bank repayment. Inter-bank repayment and third-party repayment are not real-time and will not restore the credit line in real time. If the repayment is not a holiday, it will be recorded on the second day after repayment and the quota will be restored. In case of holidays, it may be postponed.

In order to restore the line immediately after repayment, it is recommended to use real-time payment methods, such as mobile banking and UnionPay China UnionPay Express APP launched by various banks, which are free except for quick account arrival.

2. It is also possible that the repayment amount has arrived, but it was overdue before, so it takes a long time for the system to empty the update; If the user fails to repay, the repayment amount will also be returned, so the amount will definitely not be restored.

3. The repayment period of each bank is different. For example, Bank of Communications will receive the account within three working days, China Merchants Bank will receive the account immediately, and CCB will sometimes receive the account immediately, sometimes within 24 hours. This period is normal.

4. There is a negative limit: many cardholders have used up the fixed limit and temporary limit, so the credit card limit will show a negative number, so many people think that this negative number is the amount that should be paid back, and only the negative part is paid back before the bill comes out, so the credit card limit will not be restored, so it is best to wait until the bill comes out.

5. Credit card error: It is possible that the same bank has multiple credit cards, although they are all under the same account, but they must be repaid separately. If the money is returned to another card, the credit card that should be returned will not be returned and the line will not be restored. This requires transferring money from the wrong card to the card that needs to be repaid again.

6. The page has not been refreshed: if the credit card repays after inquiring about the arrears in official website, the original limit will still be displayed on the page after repayment, so you need to re-log off and log in again, and check the limit again, and you will find that the limit has actually been restored.

After repayment, the user's credit line has not been restored, so you can wait for one day. If it still doesn't recover after one day, please call the customer service hotline of the issuing bank for consultation.

The overdraft limit of a credit card can exceed the credit limit of your card, but you have to charge five ten thousandths of interest every day.