1. If the credit card repayment is paid on the day, the repayment amount on the next day will generally be restored to the credit limit. With the credit limit, the user can continue to use the credit card. The credit card cash withdrawal limit of some banks is restored the next day after repayment, so users can also perform credit card cash withdrawal operations the next day. Moreover, even if the user does not repay on the repayment date, the user can continue to use the card as long as the credit card has available credit limit. However, after the credit card is repaid, the available limit will increase, and the user can also reduce part of the current month's debt.

2. Credit card repayment related content

1. Credit card repayment refers to when the cardholder’s credit card consumption reaches the final repayment date, in order to ensure the cardholder’s good credit Record and return the bill consumption funds to the bank. Starting from March 26, 2019, when individual users use the "credit card repayment" function of the Alipay client, Alipay will charge a 0.1% service fee for the portion exceeding the free limit of 2,000 yuan. Alipay’s adjustment of credit card repayment rules is not the first in the industry. WeChat has taken the lead in ending free credit card repayment benefits.

2. Overdue credit card repayments have serious consequences, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

3. After a credit card default with high penalty interest, the penalty fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and it will start from the date the consumption is recorded. Calculate interest. Violent credit card collection has become a hot topic resulting in legal disputes. Many bank credit card centers outsource credit card repayment collection to some so-called "debt collection companies." These companies have mixed quality and rough debt collection methods, causing great trouble to customers.