Compared with repayment before the repayment date and repayment before the bill date, repayment before the repayment date will be better. Repayment on the repayment date can extend the interest-free period of the credit card, and the amount returned is calculated in advance as the amount of the current bill. If you choose to repay before the bill date, the repayment amount cannot be determined whether it is the current bill or the next bill, and it can only be regarded as the consumption amount returned in advance.

Therefore, in order to effectively extend the interest-free period and increase the liquidity of funds, it will be better to choose to repay before the repayment date.

Will the credit card bill be paid first or later?

1. Reduce the debt ratio

According to Xi Cai Jun, most people will pay back after the bill date comes out, but some people will choose to pay back through the bill. For them, bill repayment can effectively reduce debt, and credit card bills will not show the amount owed after they come out.

In fact, since the revision of the credit report, whether it is bill repayment or bill repayment in the future, the actual consumption amount of the current month will be displayed on the credit report, and the amount to be repaid, the actual consumption amount and the average consumption amount of the past six months will also be recorded, so that bill repayment obviously cannot reduce debt, which is a bit like doing nothing.

Not to mention that bill repayment is not easy to grasp the actual amount owed, especially if there are both credit card consumption and cash withdrawal, the amount to be repaid is easily miscalculated. If the bill is missing, you have to pay it again. It is better to wait for the bill to be paid later, which will save trouble and increase the pressure of repayment, and you can't make good use of the interest-free period.

2. Credit card withdrawal

Some people think that the repayment ability and consumption ability can be recognized by banks, so it will be easy for banks to increase the quota.

For banks, it doesn't matter when the credit card can be repaid on time and not overdue. The key to determine the credit card limit is to have good credit card behavior, good credit information and strong repayment ability.

Therefore, no matter from the two motives of reducing debt and withdrawing cash by credit card, it will be better to choose bill repayment in the future, which will also reduce debt and make banks feel that cardholders are very conscious of repayment. In addition, it will be easier to diversify consumption and repay on time.