Yes. Excess funds from credit card repayments will automatically be converted into overpayments. When using a credit card, overpayments will be deducted first and then the credit limit.

Tips for credit card repayment:

Change the credit card repayment time to three days after the salary day: Under normal circumstances, the credit card repayment date is random, but this day It can be modified manually. You can call the customer service number on the back of your credit card (do not call a phishing call) and transfer to manual service. Just tell the customer service to set your credit card repayment date on a certain day, and the customer service will help you handle it.

Clearly distinguish between the credit card repayment date and the billing date: the credit card billing date is the day when the total amount of credit card payments you have made in a month is counted. The money on the bill is the repayment date about 20 days later and must be paid back. money. The credit card repayment date is the day when you must pay off the balance due on last month’s credit card bill.

Binding a bank savings card of a fellow traveler: The least worrying way to repay a credit card is to bind a bank savings card of a fellow traveler to automatically deduct fees. If it is bound to a salary card, it will be more convenient, and the salary will be the same. When you arrive, the money will be automatically deducted, safe and risk-free. Of course, the premise is that the credit card repayment amount is smaller than the salary figure. :

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank.

Note: There are more and more emerging repayment methods, but the mainstream ones are online transfer repayment provided by banks, card-to-card repayment through third-party POS machines, and telephone banking repayment. If you have a fixed habitual repayment pattern and repayment cycle, monthly credit card repayments will become a "little effort" and will never take up too much of your time, let alone go to a crowded bank. Long queues.

Another reminder is that when choosing a credit card, you should ask clearly what repayment methods the bank supports, and try to apply for a credit card with more diversified repayment methods, so as not to be fooled by "card-holding shopping discounts" Waiting for petty profits to confuse you, after all, the convenience of a credit card is the most important thing.

Late repayment: Late repayment on a credit card has serious consequences, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

Credit card repayment - Baidu Encyclopedia entry