What on earth is going on with two credit cards being paid back and forth? This is done by taking advantage of the different repayment dates of the two cards. However, this requires paying interest fees, and it is not very cost-effective.

For example, the repayment date for the first card is the 1st, and the second card is the 15th. Then the 1st card will first withdraw 100 yuan from the overdraft of the first card (just hypothetical), and at the end of the month, it will be withdrawn from the 2nd card. Withdraw 100 from the overdraft of one card, and pay back the 100 from the first card. On the 14th, withdraw 100 from the overdraft of the first card and pay back the second, and the cycle continues.

It is not advisable to do this, but in theory, you always have a sum of money from the bank on you. You will always owe the bank 100 yuan, which is equivalent to spending in advance.

It is very expensive to cancel an overdraft, and it is illegal to use your card to cash out at other stores.

So, it is not recommended to do this