If the money is deposited into the relevant debit card in advance, the bank will automatically deduct the current bill on the repayment date, and the cardholder will no longer have to worry about overdue repayment because of forgetting the time.

However, there is one problem that needs attention: automatic repayment of bank credit cards can only be deducted from the savings card once on the repayment date;

In other words, if you have no money on the repayment date, even if you deposit more money the next day, it will not be automatically deducted; You can only wait until the next repayment date. If you fail to repay on time, it will also affect your personal credit.

In other words, you must deposit the money in the savings card before the repayment date, so that automatic repayment can play the most effective role.

Extended data

How to remedy the overdue credit card;

First, the overdue period is no more than 20 days.

If you have always maintained a good habit of using the card before, you can use the following two methods if it is overdue occasionally (no more than 20 days):

1. Call the bank to declare that it is not maliciously overdue.

2. Insist on using the card after the deadline and make repayment records.

Two, overdue for more than 20 days.

If it is overdue for more than 20 days, it is recommended that all card friends take the initiative to call the bank and repay immediately. As long as the bad records are not submitted to the People's Bank of China's credit information system, take the initiative to call the bank to explain the reasons and take the initiative to pay off all the debts, the bank will still help you eliminate the bad credit records.

3. There are overdue records of credit information.

Although the repayment situation two years ago will not be reflected, the overdue will be retained for five years and eliminated after five years.

There is no other way to update the information in the credit report except for overdue records.

References:

? Baidu encyclopedia-repayment date