naturally, prepayment by credit card holders will not affect the credit card business.
however, after the credit card is repaid in advance without paying the bill, the repayment money will directly enter the credit card and be deposited into the credit card account as a deposit.
then, when the repayment date arrives, the credit card system will directly use the deposit in the account for repayment.
according to the process of credit card repayment system, the repayment order of credit card is that the bill has been paid first, and then the bill has not been paid. Repay according to the order of paid bill and unpaid bill. 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 something that cardholders need to pay attention to.
generally speaking, it has no effect to prepay the credit card without paying the bill. Before the repayment date, the prepayment amount is directly deposited in the credit card, and the system will make repayment directly after the bill is issued.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash 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.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
according to different card issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.