The credit card repayment order (priority) is to offset the issued bills first, and then offset the unpaid bills. Annual fees, handling fees and interest have the highest priority, followed by the principal of the last cash withdrawal transaction, the principal of the last consumption, etc. The order of repayment of the bill is generally based on annual fee, interest, cash withdrawal fee, cash withdrawal principal, card consumption amount, etc.

For example, in the same bill, your repayment order is annual fee, interest, and handling fee. The handling fee includes installment or cash withdrawal, and then the principal of cash withdrawal and card consumption. The principal of the card, that is to say, if the cardholder swipes the card and withdraws cash in the same bill, the priority of the repayment amount should be the cash withdrawal interest, followed by the handling fee and cash withdrawal principal.

Credit card repayment tips:

1. Change the credit card repayment time to three days after the salary day. Under normal circumstances, the credit card repayment date is random, but the repayment date can be modified manually. Directly call the customer service number on the back of the credit card and transfer to manual service. Tell the customer service to set the credit card repayment date on a certain day, and the customer service will help you. deal with. Set the repayment date to the last three days after your salary is paid, and pay off the credit card as soon as your salary arrives. Even if there is a problem with paying off the credit card on the same day, there will still be 2 days to buffer and solve the problem.

2. Clearly distinguish the credit card repayment date and billing date. The credit card repayment date is the day when you must pay off the outstanding credit card bill from the previous month. The credit card statement date is the day when you count the total amount of credit card swiped in the past month. The money on the bill is the money that must be repaid on the repayment date about 20 days later.

3. Bind fellow savings cards. The least worrying way to repay a credit card is to bind it to a bank savings card of the same person and automatically deduct the fee. If it is tied to a salary card, it is more convenient. Once the salary arrives, the money will be automatically deducted, which is safe and risk-free. Of course, the premise is that the credit card repayment amount is smaller than the salary figure.

4. Repay via Alipay wallet. Alipay's credit card repayment function is completely free. It supports basically all credit cards in China, and the payment speed is very fast. Many credit cards can receive the payment within 2 hours of the same day, and the latest one will be paid the next day tomorrow.