Whether the credit card can be used immediately after repayment mainly depends on the repayment method and the bank's regulations. Under normal circumstances, if you make real-time repayment through banking systems such as online banking and mobile banking, the credit limit will be restored immediately and you can spend immediately. However, bank deposits may take 1-2 days to arrive. If cash withdrawal is involved, be sure to wait for the money to arrive before proceeding.

If you repay through an inter-bank or third-party platform, the credit recovery time may be slightly longer. You usually need to wait for about 2 days to ensure that the money is received before you can spend or withdraw cash. Therefore, it is crucial to be patient with this type of repayment method.

In terms of increasing the credit card limit, it is recommended that cardholders continue to use credit cards for consumption. It is best to have a certain consumption record every month. At the same time, pay attention to the amount of credit cards and apply for a limit increase in a timely manner. The credit card itself has many advantages, such as overdraft consumption without deposit, interest-free period, safe and convenient shopping, points and discounts, etc. At the same time, the use of credit cards also helps accumulate personal credit and brings more convenience to future financial activities.

Whenever you use a credit card, make sure you pay it off on time to avoid incurring additional interest. Remember, smart spending habits and a good credit history are the keys to long-term benefits. While enjoying the convenience brought by credit cards, you should also understand their rules in order to better manage your finances.