There is no impact on early repayment. You must know that a billing date will be set when applying for a credit card, so repaying in advance means settling your overdraft consumption in advance before the billing date. As long as there is no more consumption after the early repayment, there will be no payment on the billing date. Debt that needs to be settled. If there is still consumption between the early repayment and the bill date, then this part of the overdraft consumption will need to be repaid when the account is issued on the bill date. There is generally fifteen to twenty days after the bill date to process the bill. If you repay after the last payment date and the grace period of about three days, it is considered a late payment. Therefore, when repaying, you must pay attention to the two time periods of the bill date and the final repayment date, and the bill must be settled during this period.

2. How to operate credit card repayment in advance

You must know that there are two situations for credit card repayment in advance, one is with installments, and the other is without installments.

1. If the credit card has not been applied for installment, if it is repaid in advance, just deposit the money directly into the credit card. When the repayment date is reached, the credit card will automatically deduct the payment.

2. When applying for installment with a credit card, you only need to contact customer service in advance to apply to terminate the installment, and customer service will help the cardholder handle the early repayment procedures. Just be aware that the application for installment cannot be revoked. Even if the loan is repaid in advance, all remaining handling fees will still be charged. Therefore, when the installment amount is settled in one go, there are also all installment handling fees.