Smart credit card repayment is actually a process of replacing labor, using small funds to repay credit cards and realizing full payment of the current bill arrears of credit cards. If the cardholder's accumulated repayment amount is greater than the bill amount, the bank will think that the cardholder's current bill has been repaid and restore the limit in real time. According to this principle, there is no problem in using part of the funds to meet the repayment requirements of banks, which belongs to regular repayment.

Intelligent repayment means that the cardholder can use this amount to repay the current credit card bill during the period from the billing date to the repayment date of each month. In essence, it still belongs to paying credit card bills with credit card money. This operation only delays the repayment period of the cardholder, but the total debt of the card bill remains unchanged.

Of course, this repayment method is indeed a bit ahead of schedule. However, due to the need to bind the card information to the smart repayment app software, it is easy to cause personal information disclosure. Although this software also simulates different consumption patterns. But it will still show its true colors after a long time.

In addition, this operation is also very risky, because many institutions pay back one after another, so there are many operations and many operations. Cardholders' cards are easily controlled by bank risks. So we still have to be careful. As far as possible, it is better to repay by hand.