The answer is yes. When the bill comes out, the repayment amount transferred by the user will be deducted from the outstanding amount of the current bill, and the user can choose to repay in full, in installments, or the minimum repayment amount based on the user's own financial strength. In short, as long as the user can repay the loan in full on the final payment date. As for repayment methods, there are many. Users can transfer and repay through mobile banking and third-party platforms. However, different repayment methods charge different fees, so everyone needs to pay attention.

The act of repaying after the bill comes out can effectively avoid overdue payments, but the arrival time of different repayment methods is also different. If the user chooses to pay off the debt on the last payment date, it is very likely that There may be cases where the account cannot be received on the same day. As a result, overdue payment will occur due to untimely arrival, which will reduce the user's credit qualification, incur high penalty interest and liquidated damages, and will also affect the results of future loan applications or card applications.

However, if you repay after the credit card statement comes out, it is considered early repayment, which is also a breach of contract in the eyes of some banks. The user may need to pay part of the default fee, and the bank will also be asked to If you question the user's card usage needs, not only will you be unable to increase your credit card limit, you may also face the risk of having your credit limit reduced. Therefore, repaying the money as soon as the bill comes out cannot be clearly said to be good or bad. Everyone needs to analyze it based on the specific situation.

There are several dates on credit card statements that you need to understand:

The dates on credit card statements include: transaction date, bank accounting date, statement date, and payment due date. These four dates can be viewed separately. The transaction day, as the name implies, is the actual date when the consumer uses a credit card transaction. The domestic transaction day refers to the day when the card is swiped. Overseas, because it takes time for the store's card swipe information to be transmitted to the bank, there is usually a time difference of several days. lag. The accounting date is usually the day after the transaction date.

The statement date is the date when the bank "calculates the general ledger" of the cardholder's credit card transactions within a month. The due repayment means that everyone must repay before this date. If it exceeds this date, you will need to pay additional interest or other fees, and it will also affect the cardholder's credit record.

Try to pay off the balance in full and avoid frequent cash withdrawals:

In addition to the above dates, you can also see the amount due for the current period and the minimum payment on the card statement. There are three limits: amount and cash advance limit.

The amount payable in this period is the total repayment amount that the consumer needs to pay on the latest due payment date. There will also be a column next to the "minimum repayment amount", which is usually 10% of the amount due. , if consumers repay according to the minimum repayment amount, the bank using the credit card's "revolving credit" will charge relatively high revolving interest. Therefore, it is recommended that cardholders should repay in full if their funds are not particularly tight.

In addition, the "cash advance limit" refers to the amount of cash that customers can withdraw from the ATM, which is generally 20 to 50 of the cardholder's credit limit. Most bank credit card withdrawals generally have handling fees, and This part of the handling fee is very high, usually 3% of the cash withdrawal amount, and the minimum standard of some banks is 30 yuan/time. Therefore, cardholders try to avoid using credit cards to withdraw cash.