Credit card unpaid bills can be repaid in advance, but this kind of "prepayment" should actually be called "credit card overpayment". From the perspective of personal economy, prepayment is not very cost-effective, and prepayment is not recommended. Credit card overpayment is equivalent to putting the money originally stored in the debit card into the credit card in advance to repay the credit card bill.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction. Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract. Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.