On holidays, some banks delayed repayment of inter-bank transfer or closed channels. Be sure to know in advance whether your usual repayment channel can be used normally and when it will arrive. In order to avoid overdue due to late arrival, try to repay 2-3 days in advance, and don't wait until the due repayment date. In particular, inter-bank transfer repayment must be a few days in advance.

In addition, some banks still have restrictions on inter-bank transfer repayment. Some time before the Chinese New Year, there will be more credit card spending, and the amount of bills involved may be relatively large. If the repayment amount exceeds the repayment limit of inter-bank transfer, it will lead to repayment failure.

If the credit card of Shanghai Pudong Development Bank is repaid through Ping An Bank, the single limit is 50,000 yuan (inclusive); Through the credit card of Postal Savings Bank and Bank of Communications, the single limit is 1 0,000 yuan; Return CITIC Credit Card through China Merchants Bank, with a single limit of 1 10,000 yuan, and so on.

There is no problem in charging the dual-currency card in US dollars, but it will involve a more troublesome thing-you need to purchase foreign exchange for repayment. Under this accounting method, it is best not to bind the credit card for automatic repayment. On the one hand, some banks do not support automatic repayment of foreign currency. Even if automatic repayment is supported, the date of purchasing foreign exchange every month is fixed, and the exchange rate of purchasing foreign exchange on that day may not be appropriate.

Temporary credit line can be easily revoked, but it can't be recovered, and it can't be used after the validity period, so you need to apply for an extension. The temporary credit card limit needs to be repaid in one lump sum, not in installments or according to the minimum repayment amount. Therefore, cardholders who use the temporary credit line must prepare sufficient repayment funds and pay off the temporary credit line in full, otherwise it will be overdue.

Generally speaking, if the amount owed is small, it can be repaid in time, and some banks will repay it in three days, so there will be no problem in personal credit reporting. If the tolerance period has passed, in order to avoid more interest expenses, we should also pay off the arrears in time.

Many people think that there will be no problem after the repayment is overdue, and then they cancel their cards. In fact, this is completely wrong. After the deadline, it is recommended to continue to use credit cards to cover up bad debt records.