If there is a balance on the user's credit card, it will be automatically deducted on the day when the next bill is due. In fact, when customers spend money in the future, the excess deposits in the card will be deducted directly from the consumption amount, which takes precedence over the credit card limit. After the current bill cycle is spent, the balance in the card can still be used for repayment after the bill is issued. If the extra money has been used up at the time of consumption, then there will naturally be no money to deduct when repaying.

However, customers are not advised to deposit money into credit cards, because credit cards are not debit cards, and customers will not get interest from this money. Moreover, if the overpaid part remains in the card for a long time, it may also form bad debts and bring adverse effects.

What will happen if the credit card is repaid in advance?

Because credit cards can be repaid in advance, users' prepayment will not have adverse effects. Moreover, the credit card also enjoys an interest-free period, so as long as all the money is repaid before the repayment date (inclusive), there will be no interest, and the customer only needs to repay the principal. So there is not much difference between paying in advance before the due date and paying on the due date.