one is that the consumer has overdrawn by credit card, but has not applied for installment repayment. If we do not apply for installment repayment before the final repayment date after shopping by credit card or other consumer overdrafts, we can repay in advance, and all of them are directly repaid to the credit card account, and the interest will be paid off with the principal on the repayment day, or the minimum repayment amount is allowed only once, and the interest will continue to be calculated on all the principal (including the repaid part). Only after the last repayment date, it is not regarded as overdue overdraft, which has no effect on personal credit investigation. But by the second repayment date, the principal and interest must be repaid in one lump sum.
the second case is overdraft cash, and its repayment method, interest-bearing rules and credit impact are basically similar to consumer repayment. Direct or early repayment is allowed, and the interest will be paid off with the principal once or twice.
first, for credit card overdrafts and cash overdrafts that have not applied for installment repayment, the issuing bank stipulates that the system will automatically deduct them from the debit card account on the last repayment date, and the credit card account cannot directly accept repayment. Of course, if there is an interest-free period for consumer overdraft, it doesn't matter to many people; However, the overdraft cash is calculated with interest every day, and I definitely want to return it in advance when I have money. What should I do if this happens? Then you must unbind the repayment account first, and then repay it directly. Generally, banks can handle the unbinding through the counter or mobile banking.
in the second case, you applied for credit card overdraft for consumer installment and cash installment business, and you can't repay in advance, let alone directly. First of all, when applying for installment, the issuing bank will require binding the repayment account and automatically deduct it when it expires; Secondly, the installment repayment is automatically deducted on time every month according to average capital or average capital and the handling fee, and is deducted from the debit card account. Generally speaking, installment repayment can only be repaid in installments, and it must be adhered to until the last installment, and all of them are equal repayment. If the cardholder wants to repay in full in advance, he must take the initiative to apply to the issuing bank in advance, and after the approval, he can repay in advance, but the handling fee will not be less, and some issuing banks do not agree to repay in advance by installments. Therefore, before repayment by installment, you must consult well. If you want to repay the account with a debit card in advance, please unbind it first. If there is no unbinding, the money directly deposited into the credit card can only be regarded as overpayment, which has no effect on repayment, because it is stipulated in the contract.
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