Many cardholders have such doubts, "I repay and pay on time every month, why is there an overdue record?" In fact, there are still many things to pay attention to in credit card repayment. For example, if you apply for a refund after credit card consumption, the refund will generally be returned directly to the credit card. Is there no need to pay back the money? The answer is not necessarily.

Most banks stipulate that if the refund occurs between the bill date and the repayment date, the credit card bill amount of the current month cannot be covered, and it can only be reserved for the next bill coverage or consumption. Repayment should also be made according to the bill, otherwise the penalty interest will be imposed according to the regulations. Both ticket refund and Alipay account refund should follow the above principles. However, if the customer has a return transaction before the bill date, the current bill will automatically reverse the transaction without repayment.

The personal credit information system has long been networked nationwide, and cross-bank and off-site credit transactions can be inquired. Once there is a "stain" on the credit record of overdue repayment, it will be restricted from going to the bank to handle loans and other businesses. Therefore, it is suggested that the cardholder keep the paper or e-mail statement of the credit card and check the amount of the statement before the monthly repayment to ensure foolproof. Reporter ma