Generally, it is the fastest to transfer money through ATM or online banking of the bank to which the credit card belongs; After repayment, the line can be restored; If you use a third-party repayment platform, there may be delays, which everyone needs to pay attention to.
When the cardholder returns the credit card, he can bind the savings card and deduct the money automatically on the repayment date. But before the repayment date, you need to ensure that there is enough credit in the savings card. Deduction failed and repayment was overdue, which was great for personal influence.
After the credit card is repaid, the user can check whether it has arrived, so as to avoid overdue repayment of the credit card; It should be noted that the use of installment repayment or minimum repayment amount will occupy the credit card limit, and the cardholder will pay back part of it before the credit card can recover part.
If the credit card fails to repay on the repayment date, it is overdue, and the bank will charge a penalty interest until the user pays off all the debts; In addition to the penalty interest, the overdue repayment record will be uploaded to the credit information center by the bank, resulting in bad personal credit and restricting the handling of various loans in the future.
Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only spend your credit card within this limit. If you exceed this limit, you can't spend your credit card normally. The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.
The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.
The second quota, that is, the quota to be used in stages, is an external quota that does not occupy your original quota. As far as I know in Aika, China Everbright Bank and China Bank support the phased use of the second line.