It's good. The advantages of repayment the day before the billing date are: it can effectively reduce the personal debt ratio, and the repayment before the billing date is zero or negative; You can prove your repayment ability. If a user repays before the bill date, it shows that his repayment ability is very strong. Banks will identify users as high-quality customers, and it is easier to pass the credit business audit later.

Of course, repayment the day before the billing date will shorten the interest-free credit card. Whether to repay in advance depends mainly on the user's capital planning.

A credit card limit of 0 means that you can no longer go to overdraft card, and it will not affect the repayment. Repay normally according to the terms of the bill. If it is normal, the amount will be restored after repayment. But you mentioned that you owe more than 3 thousand a year. I don't know whether you handled the installment in time or whether you have been dragging it on. I don't know if there is a late payment fee, and I'm not sure if you can restore the quota normally after repayment. It is recommended to call the customer service telephone of the bank credit card center for consultation.

Generally caused by the following circumstances:

1. Refund to offset the arrears:

Many card friends, after paying by credit card, such as shopping in Taobao, are dissatisfied with the purchased goods and apply for a refund. The refund will arrive before the billing date, so the arrears will be deducted, and naturally there is no need to repay, so there will be a credit card minimum repayment 0 yuan.

2. The bill by stages:

Some card friends have never owed money before. When the current bill comes out, they will divide the total amount in installments, because it can be divided into 100% installments. 0 yuan showing the minimum repayment after installment. You don't have to pay this issue. You can pay it after the bill comes out next month.

3. Pay off the debt before the bill date:

Some card friends like to make zero bills to reduce the debt ratio, so after overdraft credit card consumption, they should pay off the arrears before the current bill comes out. After the bill comes out, the total amount owed and the minimum repayment amount are both 0, so there is no need to repay, and then the paid money is slowly brushed out.

There are three situations that can happen to the minimum repayment of credit cards in 0 yuan. In each case, you don't have to pay back, and you don't have to worry about overdue repayment. After all, our repayment is based on the amount of each bill. If you really don't feel at ease and are not sure whether to repay, you can directly consult the customer service of the card center.

To increase the credit card limit, you need to comply with the following conditions:

First, always use the card, it is best to use up the quota often, so that the bank will know that your quota is not enough;

Second, timely and full repayment shows that you have good repayment ability, which is a prerequisite for cash withdrawal;

Third, use less revolving credit, that is, use less minimum repayment;

Fourth, put an end to bad credit card records and repay on time. If you can't repay in full, you should also pay the minimum repayment amount and interest on time (this is very important, if you forget to repay, or neglect to repay a fraction, even if it is 1 cent, it will bring bad credit card records).