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Huaxia credit card problem? I just opened a card and overdrawn it by 5000 yuan, but I don't understand. Help me.
1. How to calculate an overdraft of 5000 is an overdraft of 5000? Does that mean I can spend more than 5000 no matter how many times I spend this month? For example, I spent 3000 yuan on June 65438+1October 65438+1October 5, and spent another 2000 yuan on June 65438+1October 5, and my 5000 quota was used up. I want to know when it will be calculated again.

A: Yes, the cumulative calculation reaches 5,000 yuan, and the credit card limit is used up. You can continue to use your credit card if you pay in full. Repayment depends on how much you can recover and how much you can use.

Second, the 56-day repayment is interest-free. Is my down payment interest-free for 56 days? For example, I spent 2000 yuan on 65438+1 October1,paid back the money on February 26th, spent another 2000 yuan on June 3rd, and paid back the money on February 28th? In short, when can I overdraw another 5,000 yuan? There is also the repayment period.

A: The 56-day interest-free period starts from the day after the bill date. If you swipe your card for two days on the billing day, the interest-free period will be reduced by one day to 55 days. And so on. The landlord's credit card repayment is on the billing date-it can be returned before the repayment date. But the billing date of each credit card is different, and the repayment date is 25 days after the billing date. Please call the bank's customer service to inquire, and there should be a hint in your letter.