When repaying a credit card, if it shows that the current bill has been paid off, it means that the current bill has been paid off in full, and the customer does not need to repay it now until the next bill is issued. Just pay it back later. In this case, the customer may have paid off the bill after the previous bill came out, but forgot about it, so he went to repay the bill on the repayment date; it may also be that the customer directly paid off the outstanding bill in advance, and then there was no new consumption. So no more repayments are required.

What does the balance of this period's bill mean:

The balance of this period's bill refers to the sum of each transaction amount and chargeable fees from the last period's bill date to the current period's bill date. Deposit comparison. If there is a "-" sign in the balance, it means that you have a balance in your current balance; if there is no "-" sign in the balance, it means that your current credit card balance is overdrafted. For example: when the current balance of the credit card is "0", it means that your credit card limit is not overdrafted; when the available balance of the credit card is "9000", it means that the card still has this limit for overdraft or consumption; assuming that your credit card limit is "9000", You spent 1,000 overdraft, then your current credit card balance is "-8000" and the available credit card balance is "8000".

The minimum repayment amount for this period: When the credit card holder has difficulty repaying all the amount payable before the due date of his credit card (inclusive), according to the regulations of the card issuer, he can Make repayments according to the minimum repayment amount. That is the minimum amount that should be repaid this period. Interest on the minimum payment amount of a credit card; the minimum payment amount = 10% of the consumption within the credit limit + 100% of the cash advance transaction + 100% of the unpaid portion of the previous minimum payment + 100 of the consumption exceeding the credit limit % + 100% of fees and interest. Currently, in the above formula, some banks use a minimum repayment rate of 10% for cash advances. Credit card holders will accrue credit card interest if they only pay the minimum monthly repayment amount. Credit cards have a certain interest-free period. If the cardholder uses the overdraft amount during the interest-free period and repays the consumption amount on the due payment date, there will be no interest. Interest charges need to be borne. However, if you fail to repay in full by the due payment date, you will have to bear credit card interest, and if you only pay the minimum repayment amount, you will no longer enjoy the interest-free period. Starting from the date when the consumption is recorded, an interest of 0.05% (0.05%) will be charged every day, and compound interest will be calculated on a monthly basis.

Concerning the situation where the credit card balance is negative, cardholders also need to pay attention to the following matters:

1. Before canceling the credit card, all accounts must be settled by cash withdrawal or card swiping. Clear the overpayment to zero;

2. Overpayment on a credit card is an overpayment and the ownership of the money should belong to the cardholder;

3. Many banks offer cash withdrawals for overpayment on credit cards. Additional handling fees will be charged. For example, overpayments with China Construction Bank credit cards are free of charge when withdrawing cash locally;

4. Credit card transactions have points, and the points will be invalidated after the card is cancelled;

< p>5. If this credit card has a lot of points, you should first redeem gifts and then cancel the card. If you have very few points, you can cancel the card directly;

6. Cancellation of a credit card cannot be done at an outlet but can only be done by phone. Contact the credit card center indicated on the back of the card to apply for card cancellation.