The following are examples of taboo dates for credit card repayments:

1. It is taboo to pay off credit card bills before the date. Many people pay off the bills before the date mainly to create zero bills, thinking that this can prove Your repayment ability means that you are not short of money and can repay at any time. However, after the second-generation credit report is launched, zero bills will have no effect, because the monthly credit card consumption limit will be reflected on the credit report, even if the money is paid off on the bill date. Therefore, there is not much difference between repayment before the bill date and repayment after the bill date. Relatively speaking, repayment before the bill date is not very good.

2. Do not use minimum repayment. Repaying the minimum repayment amount not only relieves financial pressure for cardholders, but also does not affect credit reporting. But banks generally won't tell you that this is their favorite repayment method: current bills are not eligible for interest-free repayment, but overdraft interest will be calculated at 0.5%. It is recommended to use it occasionally. If it is the lowest interest rate for a long time, the annualized interest rate may reach 20 to 30. If the amount of the previous period's bill includes interest, and the cardholder fails to repay the entire balance on the last payment date, the next period's bill will use the principal interest of the previous period as the principal of the next period for interest calculation.

3. Be cautious about automatic repayment. Many people choose automatic repayment, but be sure to pay attention to the card issuer’s deduction time. If wages are not received in time, it is easy to exceed the deduction period and become overdue. Therefore, it is recommended to ensure that there are sufficient funds in the savings card first. Repaying on the repayment date may cause overdue payment. In order to maximize the interest-free period, some cardholders like to make repayments on the credit card repayment date, but this is very dangerous.

4. Excessive credit card overdraft and card consumption that exceeds the cardholder’s repayment ability.

5. Crazy credit card limit increases lead to blind consumption and a comparison mentality.

6. Frequently handle credit card cash withdrawals, installments and other charging services, resulting in additional handling fees, interest, etc.

7. Overdue credit card repayments will generate high interest and late fees, which will affect your personal credit record and make you unable to apply for mortgage loans and other services in the future.