Secondly, repayment before the bill date may increase the risk of credit card reduction. After all, if you do this, the utilization rate of credit card limit is relatively low, and then banks may think that it is meaningless to increase the limit.
If you don't need to raise your own card and want to reduce your personal debt ratio, you can choose to repay in advance before the bill date. However, if you want to get a card, it's better to wait until the bill on the bill comes out. For example, one to three days after the bill comes out is the ideal time.
Finally, you can rest assured that no matter whether you repay in advance before the bill date or after the bill date, as long as you repay on time, it will not have any adverse impact on your credit information.
: 1. billing date means that the issuing bank regularly summarizes and settles all transactions and expenses of your credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and sends a statement for you. This date is your credit card bill.
2. For example, the billing date of a credit card is 1 and the due repayment date is 20th. Card friends1October 5th, 2nd, 30th. 165438+. At this time, the bank will make a summary settlement of your expenses on the day of February, 1, and it will pass at the same time. (Since the billing date usually indicates the billing date, the billing data is as of 23:59:59 the night before the billing date. That is, the consumption starting at 0: 00 am on the billing day will be included in the next bill. Note: As the information in brackets above has not been confirmed by all banks, it is recommended to confirm with your own issuing bank first. At the same time, it should be noted that the billing date of each bank is not the same day. Moreover, for the billing date, some banks also provide the function of modifying the billing date to make your repayment more flexible.