The current credit card balance is not the amount that the user wants to return, but the credit card amount that the user currently has available. That is, the maximum amount that users can swipe their cards when using credit cards. Available credit line = credit card credit line-unrecorded amount-accumulated used unrecorded amount.

During the use of the credit card, it needs to be repaid on time on the repayment date, and the user's credit card will be restored in real time after repayment. If the credit card fails to repay on time on the same day, there will be a penalty interest, and the overdue record will be uploaded to the credit information center, which may be rejected by the bank when handling the loan in the future.

When using a credit card, you must not exceed your personal repayment ability, so that there will be no overdue repayment in the later repayment. In fact, when repayment cannot be made on time on the repayment date, installment repayment can be adopted at this time, so as to avoid overdue repayment.

In the process of using credit cards, users can set consumption limits, which can effectively avoid excessive consumption. And you can make your own consumption plan at the beginning of the month, and then you can't swipe your card. Repayment on time after using a credit card can increase the fixed limit of the credit card.