Hello, if you spend 28,000 yuan and have repaid 8,000 yuan, the card issuer will repay the cardholder in the order of billed and unpaid, and the billed part will be repaid one by one in the order of annual fee, interest, expenses, cash advance or transfer transaction principal and consumption transaction principal.

Whether it can be used again after repayment needs to be judged according to the status of the card, and whether it can be used again needs further evaluation by the system.