Credit card repayment involves immediate consumption. When you make new purchases immediately after repayment, this is not actually considered a new loan, but a use of the part you have already repaid. Quota. However, the timing of this operation is critical. Generally speaking, only repayments completed before 5 pm after the due date of your credit card bill will be regarded as full repayment by the bank, and previous consumption may be included in the current bill.

Banks usually set a billing date and a final repayment date. The billing date is the date when the bank calculates interest and fees, and the final repayment date is the date you actually need to repay. If your credit card balance has been paid off during this time, the amount charged will not be considered a new loan but will be deducted from your credit limit. Of course, if there is consumption on or after the repayment date, the bank will include this consumption in the next bill, and you need to deal with it together with the next repayment.

There are various repayment methods, including cash at the counter or transfer, ATM transfer, online bank repayment, etc., each with its own advantages and disadvantages. Which method you choose depends on your convenience and schedule. In general, make sure you complete the repayment period after the bill is due to avoid interest accumulation and maintain a good credit record.