Credit card is a credit tool provided by the bank for cardholders to have overdraft consumption. After using credit card, everyone only needs to repay the arrears within the specified repayment date. Usually, banks attach great importance to the repayment ability of credit card users. If cardholders can keep repaying on time every month, they must be high-quality customers in the eyes of banks, but there are two kinds of repayment on time: repayment on the repayment date and prepayment.
some people think that prepayment can make the bank feel that the cardholder has a strong repayment ability, so that the credit card amount can be increased. in fact, we can't say which of these two repayment methods is more conducive to the amount increase, because both repayment methods belong to timely repayment. However, for banks, banks naturally hope that funds can be withdrawn as soon as possible, so banks may prefer early repayment.
if the credit card user handles the installment business, there is no need to prepay. As we all know, credit card installment will generate handling fees. Even if the cardholder repays in advance, some banks will accept the handling fees, so there is no need to repay in advance after installment. In the eyes of banks, prepayment after installment is a breach of contract, so some banks may even charge liquidated damages.
If credit card users need loans recently, it is suggested that they should pay off the credit card debt in advance before applying for loans, because if the credit card debt is too much, it will lead to excessive debt. When applying for loans, the bank will evaluate the borrower's debt. If the debt is too high, the bank may think that the borrower's repayment ability is insufficient, which will affect the loan approval.
Some cardholders will choose to repay on the repayment date. In this case, everyone must ensure the time when the funds arrive in the account. The bank bank looks at the cardholder's last repayment entry time, not the operation time. It does not rule out that everyone will be overdue because of the delay in recording the repayment. Once overdue, it will not only generate overdue interest, but also damage personal credit. Therefore, in order to ensure timely repayment, it is generally recommended that everyone can repay the arrears two or three days before the repayment date.
generally speaking, the two repayment methods, prepayment and repayment on the repayment date, can't be said to be more conducive to raising the amount. However, considering the problem of recording funds and the problem of withdrawing funds from banks, banks may prefer prepayment.