The answer is yes, and there is no handling fee for prepayment. Under normal circumstances, the repayment order of credit card is to pay the bill first, and then not to pay the bill. The rest of the money becomes "overpayment", and credit card consumption will default to paying the overpayment first. Some banks need to charge a handling fee to take out the overpaid part. It should be clear to everyone that if we have both the billed and unpaid credit card, our repayment will first offset the billed and the remaining money will be used to repay the unpaid credit card.

The credit limit of the cardholder's credit card will be fully or partially restored, but the paid repayment amount will be restored. If the current bill is not paid on the last repayment date, there will be a late payment fee, which may also affect the credit history of the cardholder.

2. Do you want to pay in advance?

This is not recommended. Because credit cards have an interest-free period, there is no need to overdraw the line to pay interest during the interest-free period (that is, before the repayment date). During this period, you can get benefits from your financial management, which is much more cost-effective than prepayment.

First, prepayment means that you keep telling the bank that you are not highly dependent on credit cards and are unwilling to overdraw, so there is little room for cash withdrawal from credit cards in the future.

Second, the advance of credit card also means giving up the interest-free period, which reduces the efficiency of capital use.

Credit cards generally have an interest-free period of more than one month, and you can repay them on the repayment date after the bill. If you pay in advance every time, it means that you have given up this benefit.