This is obviously a fallacy. I can tell you for sure that there is no limit on the amount of credit card repayment. When credit card repays, it is assumed that the money is overpaid, whether it is a dollar, a hundred dollars or tens of thousands of dollars. In short, overpayment has no effect on credit information.

Overpayment

The overpayment of a credit card is called overpayment. For example, your credit card limit is 3, yuan. At present, you owe 1, yuan when you swipe your card. Suppose you repay 2, yuan to your credit card at this time, then all your credit card arrears will be settled, and an extra 1, yuan will come out. This 1, yuan is overpayment, so your credit card limit is at this time.

as the saying goes, it's easier to spit it out when you eat it, but it's harder to take out the same overpayment when you deposit it. It has been reported before that someone neglected to deposit 2, yuan into a credit card, but wanted to withdraw it now, but was told by the bank to charge a handling fee. Therefore, once it is deposited in a bank that charges an overpayment fee, it is necessary to sacrifice part of the income, or it can only be spent by swiping the card slowly.

In addition, there is another disadvantage of overpayment, that is, the amount of overpayment is not calculated with interest. For example, if you put the above-mentioned overpayment of 1, yuan in a savings card, you will still get interest from 35 yuan even if it is current after one year, but there is no interest if you put it in a credit card, and it will still be 1, yuan after one year.

Pay less back to 1 yuan

From the above analysis, we know that paying more back to 1 yuan will not actually cause the so-called more serious consequences than overdue. It can be said that there is no other impact except that interest cannot be earned and a handling fee may be charged for withdrawing cash. Since it doesn't matter if you pay more to 1 yuan, will paying less than one yuan cause serious consequences, such as overdue, such as being penalized? I can also tell you that it doesn't matter if you pay less than one yuan, because banks generally have a tolerance amount (except ICBC), and most of the tolerance amount is in 1 yuan, that is, the difference in 1 yuan is regarded as full repayment. For example, if you owe 1, yuan, you paid 9995 yuan, but 5 yuan didn't pay it back. The bank doesn't account for your overdue, but it is still regarded as full repayment. The 5 yuan of the difference is counted as the next account period.

Summary

To sum up, paying 1 yuan more money has no impact on the credit card and will not cause any serious consequences. Therefore, if you accidentally pay more money, don't worry, don't rush to take it out, just continue to swipe your credit card safely and normally.