As long as the repayment is made after the current bill and the credit card is swiped after the repayment record, it is really full repayment, and there will be no problem. After the repayment is recorded, the credit line will be restored immediately, and credit card transactions or cash withdrawals will be included in the next bill.

In addition, those who spend on the day after the bill date can enjoy the longest interest-free repayment period. For example, the billing date of a credit card is the 20th of each month, and the repayment date is the 8th of each month, so if the bill of July 20th is consumed on July 20th, it must be repaid before August 8th, thus enjoying the shortest interest-free period. And if it is spent on July 2 1, which belongs to the bill on August 20, it should be repaid before September 8, and you can enjoy the longest interest-free period.

Therefore, as long as you use the card to repay normally according to the bank's repayment rules, it will not affect your personal credit record.