How can there be a debt after the credit card has been repaid?

If the customer has already repaid, the credit card still shows a debt, probably because the payment has just been repaid and the money has not yet arrived. If the money has arrived, it may be that the banking system has not settled yet, so the debt situation has not changed.

When the payment is received and the banking system has completed the settlement, there will be no liabilities in the credit card. Sometimes the data will be delayed, so you can't see the status immediately, so customers can wait until the second day of repayment to make inquiries, and the information should have been updated by this time.

the repayment date of a credit card refers to the last time when all the loans must be repaid or the lowest repayment amount according to the rules of the issuing bank. The due repayment date is calculated from the bill application date plus the interest-free period.

My answer may not be the most standard and correct, but I hope to give you some help and get your approval. Thank you!