It is most appropriate to repay the credit card on the repayment date. It will not accrue interest due to overdue payments, which will affect your credit report. You can also make full use of the interest-free period and improve your cash utilization rate. However, be careful not to pay it back after 8 pm on the same day. You should pay it back before 8 pm to ensure that it is credited to the bank on the same day, because the bank processes data until 8 pm. This can maximize the use of interest-free days without affecting your credit report. .

Every credit card application has a billing date and a repayment date. Different banks have different billing dates and repayment dates. Generally, the bill date is set first. Basically, the bill date is fixed. It is always set to the date of each month. Check the consumption details. The repayment date is within 15 to 25 days after the reconciliation date. As long as the money is paid before the repayment date, otherwise it will be overdue. Overdue interest and late payment fees will apply.

The common repayment methods are as follows:

1. Repayment within the card-issuing bank: including card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. . After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Inter-bank transfer: There are two main methods: inter-bank transfer in the same city and inter-bank transfer in different places. No matter which method is used to transfer or remit money, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. Third-party payment: At present, the more common domestic online platforms include UnionPay Online, Kuaiqian, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

4. Convenience store repayment: This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. Generally, it takes 2 to 3 working days to arrive in the account. At the same time, if you use this method to repay, there is no handling fee.

5. Over-the-counter repayment: Over-the-counter payment refers to bank cards issued by various networked financial institutions. RMB current deposits and withdrawals can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. trade.

6. Telephone repayment using Xintong’s smart card swiping: Users can realize the credit card repayment function without leaving home, and at the same time enjoy various financial information services. More than 10 types of credit card repayments are supported, and repayments must be made 3 days in advance and are not credited in real time.

7. Repayment Tong: Use Repayment Tong to repay. The fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.