When repaying a credit card, if it shows that the current bill has been paid off, it means that the current bill has been paid off in full, and the customer does not need to repay it now until the next bill is issued. Just pay it back later.

In this case, the customer may have paid off the previous bill after it came out, but forgot about it, so he went to repay it on the repayment date; it may also be that the customer directly paid off the outstanding bill in advance. There was no new consumption after that, so there was no need to repay the loan.

In short, customers only need to repay according to the amount shown on the bill. If it shows that the bill has been paid off, there is no need to repay the bill again.

Everyone also needs to pay attention to the fact that sometimes the bill has been paid off, but it shows that there is an amount in arrears. This should be because the bills that were issued have been paid off, but new consumption was added later, and the unpaid bills have not yet been paid, so there is an outstanding balance. Then just wait for the bill to come out, and then pay it back within the specified repayment time; or you can just pay the bill in advance before it comes out. If you are unable to pay off your balance at the moment, you can apply for bill installments or minimum repayments.

The credit card bill amount for the current period refers to the amount that should be repaid for the current period's consumption. You will be informed of the statement, the total amount owed and the minimum repayment amount on the credit card statement day.

The credit card statement date means that the card-issuing bank will regularly summarize and settle the various transactions and expenses that occurred in your credit card account every month, calculate the interest, and calculate the total amount of debt you owe in the current period and the minimum amount. Repayment amount and a statement will be sent to you.

It should be noted that the statement date of each bank is not the same day. And for the billing date, some banks also provide the function of modifying the billing date, making your repayment more flexible.

Late repayment of credit card:

1. Bear high penalty interest. After a credit card defaults, the penalty interest fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and it will start from the date the consumption is recorded. Calculate interest.

2. Cause legal disputes. According to the "Criminal Law", for malicious overdrafts of more than 5,000 yuan on a credit card, and the bank has not paid back after three months of collection, if the circumstances are serious, you may also be held criminally responsible for fraud.

For defaulting customers, entering the judicial process will not only affect their reputation, but also incur more costs. In addition to paying off the arrears, they will also have to bear litigation costs, which can be said to make matters worse. .

3. Leave a “credit stain” in the national credit reporting system.

In 2006, the central bank established a national unified basic database of corporate and personal credit information. As long as you apply for a card or take out a loan at a bank, your own "credit report" will be automatically generated in the system. "The "stain" in this report cannot be ignored. It will affect applications for various loans, insurance, job hunting, studying abroad, etc. Bad records are generally retained abroad for 7 years.

In November 2012, the central bank’s new version of personal credit report was launched. Overdue credit cards and loans before October 2009 will no longer be displayed, and overdue records will be retained for 5 years thereafter. This move means that citizens’ overdue negative records will no longer remain with them for life. If they can repay their loans in full and on time for five consecutive years, their credit can be restored.