1. Impact: After the credit card is repaid in advance, as long as the bank receives the payment and confirms it, the limit will be restored immediately, and you can then make purchases with the card.

2. Increase the credit limit: The bank will increase the fixed limit from time to time for cardholders with good card usage records. Cardholders can also apply to increase the fixed limit on their own, and our bank will review their card usage such as consumption and repayment to determine whether to increase the fixed limit.

3. Suggestions:

(1) Develop good card usage habits. Do not always pay only the minimum repayment amount, overdraft regardless of financial strength, and pay more interest fees.

(2) Generally speaking, monthly bank and credit card bills will be sent with SMS reminders or paper bills. The bill will specify: What is the minimum repayment amount, or how much can be applied for installment payment.

(3) Cash withdrawals can also repay the minimum repayment amount, but the cost of cash withdrawals with credit cards is higher. In addition to the cash withdrawal handling fee, interest will be calculated at 0.5% per day starting from the second day of withdrawal. .

4. Credit limit

(1) Credit limit, also known as "credit limit", refers to a certain amount of credit limit granted by a bank to its basic customers, that is, within a specified period of time , businesses can recycle this much amount.

(2) For example, a company applies for a one-year export bill quota of 2 million U.S. dollars. The company uses it five times, and the usable amount is 10 million U.S. dollars (the procedure only needs to be completed once, and other procedures are very long. Simple), if used ten times, the amount can be used up to 20 million yuan, which on the one hand solves the company's short-term capital turnover difficulties, improves the company's capital circulation speed, and also improves the company's capital use efficiency.