1. Does prepayment by credit card have any effect?

It makes no difference to prepay. You should know that when you apply for a credit card, you will set a billing date, so prepayment means to settle your overdraft before the billing date. As long as there is no consumption after prepayment, there is no debt to settle when the bill rises. If there is still consumption between the prepayment and the bill date, then this part of overdraft consumption needs to be paid back at sunrise. Generally speaking, there are fifteen to twenty days after the bill date to process the bill. If the repayment is made after the last repayment date and a grace period of about three days, it is overdue. So be sure to pay attention to the billing date and the final repayment date, and settle accounts during this period.

Second, how to operate credit card prepayment?

You should know that there are two situations in which credit cards are repaid in advance, one is in installments, and the other is not in installments.

1. If the credit card is not in installments, you can directly deposit the money into the credit card if you repay in advance, and the credit card will automatically deduct the money on the repayment date.

2. For credit card installment, as long as you contact customer service in advance to apply for termination of installment, customer service will help the cardholder to go through the formalities of prepayment. Just note that the application for installment payment is irrevocable. Even if the repayment is made in advance, all the remaining handling fees will be charged. Therefore, when the installment amount is settled at one time, there is an installment fee.

Third, the credit card repayment is overdue for more than a few days.

It is the normal repayment before the last repayment date of the credit card. Generally speaking, banks will have a grace period of about three days if the final repayment date is exceeded. If this grace period is exceeded, the bank will upload your overdue behavior to the central credit information system, and your personal credit information will be recorded. There are many influences caused by bad credit information, and it will take a long time to eliminate bad records in credit information later.

Everyone knows whether prepayment by credit card will affect it. In short, whether the cardholder wants to repay in advance or not, he must remember to repay on time and not beyond the last repayment date. If they don't pay it back in time, they will be in trouble. You'd better not step on it on the last day. If the delay causes you to be overdue, you will definitely regret it. Keep the bill in mind and settle it the same day.