Actually, the credit card balance will not necessarily be restored after repayment. After all, there are some special circumstances. It is normal for the credit limit after repayment and the restored limit not to match, and it does not mean that the bank After repayment, the balance will be reduced, such as the following:

1. Only the principal of the arrears will be restored when interest charges are incurred: liquidated damages and interest generated by overdue credit cards, as well as interest generated by the minimum repayment , as well as handling fees incurred after the installment is processed, etc. These credit card interest fees will not be added to the credit card limit after repayment, so the actual restored limit after successful repayment must subtract this part of the interest fee from the total repayment amount.

2. Credit card cash withdrawals and repayments will be restored the next day: If you use a credit card to make purchases in the same month and withdraw cash from the credit card, although the outstanding amount is combined into one bill, it will only be restored immediately after the repayment. The consumption limit and cash withdrawal limit will not be restored until the next day.

3. Excessive consumption will only restore the fixed quota: including the use of temporary quotas, or excessive quotas, and no matter which quota is used, it can only be used if it exceeds the fixed quota, although it is not the same as the use of The fixed amount will be billed together, but only the fixed amount will be restored after repayment.

For example, if you use a credit card to spend 2,000 yuan, there is a temporary limit of 1,000 yuan. If you repay 2,000 yuan, it will only restore the limit of 1,000 yuan.

The above is the relevant introduction to "Why is the available limit wrong after paying off the credit card?" I hope it will be helpful to everyone.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify payment procedures and save social labor;

7. Credit cards can promote product sales and stimulate social demand.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status.

The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and debit cards

Credit cards. It is a card-issuing bank that provides bank credit. When making a payment, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of the cards currently used internationally are of this type.

Credit and debit cards. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.