1. The repayment has not arrived yet. The credit card will not be restored until the arrears are paid. However, different repayment methods have different arrival times. If you want to restore the line immediately after repayment, it is recommended that cardholders use real-time payment, such as mobile banking launched by various credit card application platforms. This platform not only receives accounts quickly, but also does not have to pay handling fees. You can think about it.

2. On the Yinxian line. Many cardholders use a temporary credit line after using a fixed credit line, so the credit card line will show a negative number at this time. So many people think that a negative number is the amount that should be paid back. Only a negative number can be paid off and the bill will come out. In this way, the credit card limit will not be restored, and you'd better wait until the bill comes out.

3. Wrong credit card. Some card friends have handled multiple credit cards in the same bank. Although they are under the same account, they still have to be repaid separately. If you accidentally remember the repayment date and the wrong credit card, then the limit will not be restored. At this point, everyone needs to transfer money from the wrong credit card and return it to the credit card that needs repayment.

4. The page has not been refreshed. Many card friends make repayment after checking the credit card arrears in official website. Because the page has not been refreshed after repayment, the amount will still be displayed. At this point, you need to re-log out and then check the quota, and you will find that the quota has been restored.

First, can the installment fee be reduced or exempted?

Under normal circumstances, when the bank handles the installment for the cardholder, it has calculated the repayable principal and corresponding handling fee for each installment according to the installment amount, installment number and installment rate of the corresponding grade. In other words, the handling fee has been fixed, and only the cardholder needs to pay the handling fee on schedule and according to the amount. However, one-time repayment in advance will affect the collection of handling fees. Different banks have different ways to deal with it.

For the handling fee actually charged by the bank before prepayment, the practice of the bank is generally the same, that is, it will not be refunded; There are several ways to deal with the fees that are not actually collected: first, to reduce or exempt them to a certain extent; Second, whether it will be reduced or not, how much should be collected; Third, no longer charge fees, but charge a certain amount of liquidated damages. Cardholders can choose between liquidated damages and subsequent expenses: if the liquidated damages are lower than the later installment expenses, they can choose to pay liquidated damages; If the penalty is higher than the later installment fee, the installment fee shall be paid.

2. Can credit cards be repaid in advance by installments?

Under normal circumstances, credit card installment can choose to repay in advance, but users must first contact customer service to terminate the installment. If you don't apply for termination of installment, the remaining amount of installment will not be recorded at one time, and it will still occupy the amount in the card, which means that the money deposited is the same as the deposit. In addition, although the installment is terminated in advance, the remaining installment fees will still be charged, and the remaining undistributed fees will not be exempted. For example, 100, 12, a total of 1200 yuan, and you paid 1200 yuan in one lump sum, the bank will only think that you overpaid, and the rest are overpaid, and the bill is still deducted for one period. I suggest you cancel the installment payment first, then repay it, and click on the repayment directly, but the details need to be in accordance with the regulations of the bank.