1, installment within the credit card limit
We use this kind of installment the most, such as bill installment after overdraft consumption, consumption installment, credit card cash installment and so on. This installment payment is based on the available amount in the credit card. After the installment is successful, the available amount will be occupied and cannot be recovered. Only by monthly repayment after installment can part of the quota be restored. If it is paid off in advance at one time, the amount occupied will be restored after the installment.
2. Installment payment beyond the credit limit
This kind of installment usually has its own installment quota for installment, so it will not occupy the credit line. Common ones are China Merchants Bank's e-stage, Pufa era Fujin,
Although the installment is based on the credit card consumption amount, after the installment is successful, it will occupy the exclusive amount and release the used credit card consumption amount.
To sum up, whether the credit card limit is restored after the installment mainly depends on what kind of installment you are handling.
However, it should be noted that different types of installment repayment methods are different, and the installment within the credit card limit can be repaid directly to the credit card.
However, after the exclusive quota is divided into stages, some people will open an account separately and must repay the money in the designated account. Don't make a mistake, otherwise it will also lead to overdue.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
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.