All the friends who have used Alipay Flower Shop have noticed that there is a deferred repayment service during the flower shop, which means that the current bill can be postponed until next month. This has attracted the attention of many friends, and many friends who are using credit cards also hope that credit cards can also postpone repayment. In fact, some banks have launched this service, and many people want to apply, but they are afraid that it will affect credit reporting. Will it really affect credit reporting?

Actually, friends who are so worried don't fully understand the credit card deferred repayment. If the credit card repayment affects the credit information, the main reason is that there is a misunderstanding in the repayment amount, that is to say, the repayment amount is lower than the minimum repayment amount, which will affect the credit information. Many people think that credit card delays repayment, so there is no repayment amount in this period, which makes the repayment lower than the minimum amount, so the credit information will be affected.

The deferred repayment of credit card is a little different from that of Huabai. The deferred repayment of credit card does not mean not to repay in this period, but to pay the minimum repayment amount, and then postpone the remaining bills until next month. It should also be noted that credit card deferred repayment is not free, but a certain handling fee is charged, which can not be stipulated by different banks.

Therefore, credit card deferred repayment will not affect the credit investigation, it is only based on the minimum repayment amount, as long as a certain amount is enough.