Benefits of credit card bill repayment 1. Avoid overdue payments that will affect your credit: A large number of people who pay off their debts by choosing a bill are afraid of forgetting the repayment date and worrying that repayments will not be timely and will lead to overdue payments. . After all, overdue credit card repayments will affect your credit score. Even if you pay back the money after the due date, it will take 5 years before the bad credit record will be eliminated. If you do it in advance, you won't have to worry about it. 2. Make 0 bills to reduce the debt ratio: If you pay off your credit card on the bill, then after the bill comes out, the amount to be repaid this month will be displayed as 0 in the bill, and the debt this month will not be on the credit report. It shows that if you apply for a credit card, loan, etc. from the bank at this time, the approval rate will be higher because the debt ratio is reduced. 3. Prove that the individual's repayment ability is good: If you can pay off your card debt on the bill, especially if you have a large amount of consumption, the bank will consider the cardholder's repayment ability to be relatively strong, and will treat the financial ability of this kind of person It is relatively recognized, which helps them apply for credit cards and handle other credit services. 4. Helps to increase credit card limit: If you always repay the credit card bill after the date, although the full repayment is made, the bank will not increase the credit limit. You can consider trying to repay the credit card on the bill. In the same way, the bank If the repayment ability is recognized, it is basically no problem to increase the amount. Finally, I would like to remind you that although there are many benefits to credit card bill repayment, you should not wait for the bill to come out after repayment, and then withdraw the money at once. This will not affect the balance increase or other processing. Credit business will be counterproductive.