Yes, it will have no impact on your credit.

First, there are two important dates for credit cards that you need to pay attention to. The first is the billing date: that is, the system will summarize your previous consumption into one bill. The second is the repayment date: usually 15-20 days after the bill date is the repayment date. The correct repayment method is to repay the loan the day after the statement comes out. If you are under heavy repayment pressure or have too many cards in your name and are worried about trouble, you can use Didi Biou smart software to repay. The software can relieve stress. A bill of 20,000 to 30,000 yuan can be paid off with 2,000 available credit on the card. Another is the convenience, as long as it is your own card, you can pay it back.

Second, after we repay the credit card, the credit limit in the credit card can continue to be used. After all, the credit card repayment can only be seen but not seen. For example, if our credit card limit is 20,000, and the amount we need to repay when the bill comes out is 18,000, then if we pay back 18,000, the bill will actually be settled. Then, the amount we consume later will not be paid out until next month.

Third, the current environment is not good, and many people have a certain amount of repayment pressure. Doing this can reduce some of the repayment pressure. The bills for that month will be paid off after that, and there will be no interest or overdue payments. However, although our bill has been paid off in this way, the risk is very high. At the least, a text message will remind us of the transaction risks, and at worst, the card will be blocked.

Four, four major traps to pay attention to

1. Every transaction we make is monitored by the bank’s risk control system. Although our bill will be paid off in this way, However, banks don’t like to operate like this for a long time;

2. Some partners have relatively large quotas and relatively large bill amounts, so there will be situations where large amounts are quickly in and out. For us, There are also certain risks for cardholders;

3. Some cardholders often empty their cards, enter and swipe out again, and their cards are always empty. Then, the bank will judge that the debt ratio is too high and will take corresponding measures;

4. Some cardholders are afraid that the amount on the bill day will be too large, so they will repay part of the loan before the bill date, which will help to increase the balance. . After the editor's actual testing, it is not of much use to pay the loan before the repayment date and print it out on the credit report. Therefore, be sure not to believe such claims. Not only is it useless, it will attract the attention of the bank.