Credit card bill repayment is divided into current bill full repayment and minimum repayment. If it is only the minimum repayment amount, it will not affect the credit information, but it will generate interest and liquidated damages according to the total bill amount, and the available amount will not return to normal.

First, in fact, credit cards are not necessarily how much they will recover after repayment. After all, there are some special circumstances. It is normal that the amount after repayment does not match the amount recovered, which does not mean that the bank will reduce the amount after repayment, such as the following:

The interest generated by 1. is only to restore the delinquent principal: liquidated damages and interest generated by overdue credit cards, interest generated by the minimum repayment amount, handling fees generated after installment, etc. After repayment, these credit card interest charges will not be added to the credit card limit, so the amount actually recovered after successful repayment will be deducted from the total repayment.

2. Credit card withdrawal and repayment will be resumed the next day: if you use a credit card to spend money in the current month and withdraw money from the credit card, although the arrears will be merged into one bill, the consumption amount will only be resumed in real time after repayment, and the withdrawal amount will be resumed the next day.

2. Excess consumption only restores the fixed amount: including temporary amount or over-limit amount. No matter what kind of amount, it can only be used after it exceeds the quota. Although it is also charged together with the fixed amount used, the fixed amount will only be restored after repayment. For example, if you spend 2000 yuan with a credit card, including the temporary limit of 1000 yuan, when the temporary limit expires, you can repay 2000 yuan, but only restore the limit of 1000 yuan.

Third, if there is a balance on the credit card after repayment, the bill will be negative. If you still owe money, then it shows a positive number. Bank credit card people said that this is actually an industry practice. If the cardholder fails to repay in full, the balance of the bill will be displayed as * * yuan. If the repayment is excessive, the excess part will be displayed as-* * yuan. "A negative sign indicates that the credit card account has a balance, and no negative sign indicates that the credit card has outstanding debts.