After negotiation with the credit card, you can repay more.

According to inquiries on Lutu.com, we learned that after credit card negotiation, you can repay more. Credit cards, in particular, consume first and then repay, and are free of interest during the interest-free period. Therefore, the function of this card can be understood as a bookkeeping function. If you deposit money first or pay more, the money will be added to the account. Then these The money does not bear interest, but if you want to withdraw the extra money, there will be a handling fee. In this case, you have no other choice but to continue spending and pay back less in the next period.

It is recommended that you do not pay off more money on your credit card. In fact, it is best for you to bind a debit card with this credit card and deposit money to the debit card every time. The money is automatically returned from the debit card to the credit card, and interest can be recorded on the money on the debit card. Another advantage of this method is that after depositing the money in advance, you will not always worry about the repayment date.