Credit card holders' prepayment will naturally not affect the credit card business.
However, after the credit card is not repaid in advance, the repayment money will directly enter the credit card and be deposited into the credit card account as a deposit.
Then, after the repayment date, the credit card system will directly use the deposit in the account to repay.
According to the process of credit card repayment system, the repayment order of credit card is to pay the bill first, and then not to pay the bill. Repay in the order of paid bills and unpaid bills. The annual fee, interest and handling fee have been included in the bill, and the cardholder does not need to calculate it. At present, credit card installment business involves installment fees, some banks charge them in one lump sum, and some banks charge them in installments, which is what cardholders need to pay attention to.
Generally speaking, it doesn't matter if the credit card prepays without paying the bill. Before the repayment date, the prepayment amount will be directly deposited into the credit card, and the system will directly repay after the bill is issued.
Credit cards have an interest-free period, but all users who use credit cards can enjoy this business. However, if the credit card holder chooses to prepay, the credit card will prepay after installment, and the installment fee is often non-refundable or the remaining installment fee will be charged by the bank.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. Therefore, it is not cost-effective to use a credit card to withdraw cash as a passbook.
Step 4 choose the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.