Credit cards don't need to be returned every month. Users should check the credit card bill and make repayment according to the bill. If the credit card bill shows that the repayment amount is 0, it means that there is no need to repay this month. Therefore, after using the credit card, users still have to check the credit card bill before the repayment date and make repayment according to the bill, so as to effectively avoid overdue.
Why don't credit cards have to be returned this month?
1, there is a refund for consumption. Refund after spending by credit card, and receive a refund before the bill comes out. The refund and consumption amount are directly offset, and there is no need to repay at this time.
2. Carido paid the money. Refund after consumption last month, but not until after the billing date. After the repayment last month, the refund turned into overpayment. If this month's consumption amount and overpayment amount are the same, they will also offset each other, and users do not need to repay.
3. Pay the bill after repayment. For the sake of zero bills, many card friends paid off the debts they spent this month before the bills came out. After the bill comes out, it will also show that the debt is zero, and the user does not need to repay at this time. However, whether it is repayment before the bill or repayment after the bill, the amount spent this month will be reflected in the credit report.
The above is the common situation that credit cards do not need to be repaid this month. Users can check which category they belong to according to their actual situation. I'm really worried. Users can also call the service hotline of the issuing bank directly and ask the customer service to help check the repayment amount this month. In addition, when users use credit cards, they should consider personal needs and actual repayment ability, borrow reasonably within the scope of economic permission, avoid excessive consumption, and eventually be unable to repay.