If the credit card bill is not repaid in advance, it is also regarded as repayment, and no handling fee is charged. After prepayment, the credit limit of the credit card will also be restored.

Extended data:

1. Different bank credit cards have different billing dates. Usually the 20th day after the credit card bill is the repayment date of the credit card. Repayment before the repayment date is called "prepayment". The repayment behavior after the repayment date is called "overdue repayment". Overdue repayment will be charged with overdue repayment interest.

During the period from the billing date to the repayment date, there is no charge for prepayment by credit card. Of course, there will be no handling fee for repayment on the repayment date.

2. Although credit cards can be repaid in advance, frequent prepayment is not recommended. Because prepayment is actually a breach of contract. Frequent use of prepayment will affect the bank's evaluation of the cardholder's credit status. And if you often prepay, it will also affect the credit card limit.

In addition, this part of the "overpayment" for credit card prepayment, if used for some financial investment, will have certain benefits. Therefore, prepayment is not recommended.