There is usually such a formula that the total repayment amount of credit card in the current period = repayment balance in the previous period-paid amount/other accounts+newly signed amount/other expenses.
There are two main credit card limits, including daily credit limit and maximum credit limit. Among them, the daily credit line is the conventional available line combined with the daily consumption habits of cardholders; The maximum credit limit refers to the maximum credit limit that cardholders can apply for according to their needs.
Extended data:
First, pay attention to overpayment
1. Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.
2. Cash withdrawal by credit card is charged according to regulations. The charging problem should be viewed from two aspects:
1) In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.
2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card.
Second, the reason.
Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable.
Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".
Baidu encyclopedia-overpay