Credit card overdraft should be repaid before the due repayment date, and the sooner the customer repays, the better.

The due repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount, which generally means that the payable amount is also required to be repaid within 20 days after the bill date.

Before the repayment date, the cardholder uses the credit card and pays it off without paying interest. But once this time is exceeded, the bank will charge interest on a daily basis. Therefore, cardholders should repay as soon as possible to avoid unnecessary losses.