The credit card repayment sequence is as follows:

1. bill for the same period: the repayment order is annual fee, interest, handling fee (installment or cash withdrawal), cash withdrawal principal and credit card consumption principal. That is to say, if the cardholder both swipes the card and withdraws cash in the same billing cycle, the repayment amount will give priority to the repayment of interest, handling fee and cash withdrawal principal, and the remaining amount will be repaid by swiping the card.

2. Different billing cycles: If the withdrawal date falls within the next billing cycle, you need to repay the credit card consumption amount of the previous period first, and then repay the withdrawal interest, handling fee, withdrawal principal and current consumption amount.

Extended data:

If the credit card installment fails, the impact will be more serious. If the third installment is not paid back, it is recommended to pay back the money on time in the future, otherwise it will be blacklisted by the bank and will be prosecuted by the bank in serious cases.

The impact of credit card non-repayment: it has an impact on future credit card applications and interest on future repayment; It will affect the normal use of credit cards and may be frozen and deactivated; If it is overdue, it will be blacklisted by the bank and become a black account, and you can't apply for a loan directly in the future; It has an impact on the loan amount for buying a house and buying a car in the future; If you don't pay back the money you owe, you are likely to be sued by the bank.

If your overdraft limit is too high, it may be suspected of credit card fraud. I suggest you pay attention. According to relevant laws and judicial interpretations, "malicious overdraft" refers to the behavior that the cardholder, for the purpose of illegal possession, knows that he is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card, evades tracing, or refuses to return it within 3 months from the date of receiving the dunning notice from the issuing bank. Malicious overdraft of more than 5,000 yuan is "a large amount"; Malicious overdraft of more than 50 thousand yuan belongs to "huge amount"; Malicious overdraft of more than 200,000 yuan belongs to "extremely huge amount"

Legal basis:

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) Withdrawing or transferring funds, concealing property and evading repayment.