Different banks choose different repayment times, and cardholders can only continue to use credit cards after the arrears are paid off.

Generally speaking, most banks receive their accounts in real time, that is, borrowers can continue to use all their credit cards, but it is best to use them 30 minutes after repayment, and the amount used should not be the same as the repayment amount, because it may cause bank risk control.

In addition, some banks have delayed payment. For example, the payment time of China Construction Bank is within 2-3 days, and users can only use credit cards after the repayment amount arrives.