If the credit card repayment time is not up, you can repay it in advance.

The process for early repayment of bank loans is: the lender must submit a written application to the lending bank in advance, which will be processed after review and approval by the lending bank. The loan contract clearly stipulates the conditions that must be met for early repayment and the number of days that must be applied for early repayment. Early repayment requires approval, and reasonable negotiations with creditors must be carried out according to the terms stipulated in the loan contract, and liquidated damages for early repayment must be paid. If you repay after the repayment date, overdue interest will be charged. Therefore, credit card users still need to develop the habit of repaying in advance or on time. Successful repayment means that the debt is paid off and the credit card limit is restored. If you continue to repay on time, You can also increase your credit card limit.

Banks approve credit cards for cardholders in order to stimulate consumption and bring more income to themselves. If repayments are always made in advance, the bank will question the customer's consumption needs. Therefore, in order to avoid wasting resources, banks generally take measures to reduce the credit limit, which will have a negative impact on future credit card limit increases.

When your job and income are unstable, when you repay your loan early, you may be temporarily unable to make a stable repayment decision due to various reasons. In fact, you can first find the nearest job or a friend with a stable income to ensure that you have a stable ability to repay, so that you will not forget to repay due to the extended repayment time. At the same time, it is best not to make repayments after the due date, because once the repayment is due, it will have an adverse impact on the funds on hand.

Legal basis:

Article 32 of the "General Rules of Loans"

The borrower shall repay the principal and interest of the loan in full and on time in accordance with the loan contract. The lender shall send a notice of principal and interest repayment to the borrower one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan; the borrower shall prepare funds in a timely manner and repay the principal and interest on time. Lenders must promptly issue collection notices for overdue loans and do a good job in collecting the principal and interest of overdue loans. If the loan cannot be repaid within the time limit stipulated in the loan contract, the lender shall impose penalties and interest in accordance with regulations; if the loan cannot be repaid or cannot implement the repayment of principal and interest, it shall urge the repayment or prosecute in accordance with the law. The borrower must negotiate with the lender to repay the loan early.