Credit card deposit, on the repayment date, the system will initiate automatic repayment of deduction. Usually, the money in the card is overpaid, and the overpayment will be used first when swiping the card. It is not recommended to deposit money in a credit card, because if you pay more, you will lose money.

Now more and more people will use credit cards to spend money. In order to avoid overdue credit reporting, they must repay the loan on time. And some card friends go to the card to deposit money after the credit card bill comes out, and want to know whether the money deposited will be repaid automatically. Let's have a look.

In fact, whether the money deposited in the credit card will be repaid automatically will be discussed in two situations.

1. If it is a general consumer debt, regardless of whether the credit card bill can be paid out, as long as there is debt, the money deposited in the credit card will be repaid automatically, and the excess money will exist in the form of overpayment after repayment. If you want to reduce the credit card debt ratio, I suggest that you can come out on the credit card billing date and deposit enough money in the credit card, so that you can have zero bills.

2. If you deposit the money into the credit card in installments, you won't automatically repay it before the bill comes out. After the bill comes out, you will only pay off the current arrears, not pay off the total installment amount. If you want to pay off the installment in advance, you need to apply to the bank to terminate the installment, and the bank will deposit the money into the credit card after approval.

It should be noted that the automatic repayment of the money deposited in the credit card is in the order of entry.

Usually, repayment is made in the order of billed and unbilled, and the billed and unbilled parts are paid off one by one according to the order of annual fee, interest, expenses, cash advance principal, or transfer transaction principal and credit card consumption principal.

For example, the bookkeeping date is 5 days, the bill amount is 300065438 yuan +0/5, the consumption amount is 65438 yuan +000065438 yuan +0/8, and after withdrawing 2000 yuan, the total debt is 5020 yuan. After the bill comes out, deduct 5020 yuan first.