The supplementary bill system generally means that credit card holders can apply to the bank for supplementary bills without receiving the bills, and the supplementary bills for 12 are free. Users should repay their credit card bills on time, and there should be no overdue repayment, because overdue repayment will generate penalty interest and subsequent repayment will increase the burden.

It should be noted that overdue repayment of credit cards will be uploaded to the credit information center by banks, and bad personal credit information will affect the subsequent handling of various loans, such as car loans or mortgages. After the arrears are returned, this overdue record will be kept for 5 years and will automatically disappear after 5 years.

When the credit card cannot be returned on time, users can use installment repayment, but when using installment repayment, they should choose the repayment period that suits them. Here, the handling fee for different repayment periods is different. Credit cards can be returned in advance after installment, which saves the expense of handling fees. In fact, you can borrow money from your friends when they are not available.

In order to avoid being unable to repay on time after using a credit card, users must measure their repayment ability when using a credit card and know what kind of income they use to repay. If your personal income is insufficient, you should use your credit card carefully at this time. In fact, credit card spending does not exceed 50% of personal income, which can guarantee timely repayment.