Credit card repayment time is not up, you can repay in advance. The process of prepayment of bank loans is as follows: the lender must submit a written application to the loan bank in advance and handle it after it is approved by the loan bank. The loan contract clearly stipulates the conditions that must be met for early repayment and the number of days for early application for early repayment. Early repayment requires approval, and reasonable negotiation with creditors according to the terms agreed in the loan contract, and payment of liquidated damages for early repayment.

legal ground

Article 32 of the general principles of loans

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on time. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit. The borrower shall negotiate with the lender when repaying the loan in advance.