Credit limit will be restored immediately after credit card repayment, and repayment can be made immediately after restoration. However, if repayment is made through tripartite payment platforms such as Lacarra and Alipay, it is necessary to pay attention to whether repayment is recorded. Because the credit card returned by the third-party payment platform does not arrive in real time, it may be delayed by 1-2 days. Brush it out as soon as you come back, which may lead to bank deduction failure.
In addition, it is best not to swipe your credit card immediately after paying back the money, so as not to be cashed out by the bank. Banks suspected of cashing out will reduce the credit card limit, and even close the door if the circumstances are serious. In addition to not recommending immediate repayment, it is also a very abnormal consumption behavior to spend a lot in businesses, and it may also be judged as cash by banks. In short, you can swipe your credit card immediately after it is returned, but it is not recommended to do so often. There is a risk of losing points or being banned. Revolving credit is one of the main functions of credit cards. Revolving credit means that the credit card holder can use part or all of the credit line of the credit card first. If repayment is made, the credit line will be restored. So just swipe the credit card as soon as it is returned. However, it should be noted that the credit card should be swiped after the repayment has been credited to the account. If it is not recorded, it will be regarded as unpaid.
It is ok to pay back the credit card as soon as possible, but it has different effects according to different situations.
1. You just repaid, but your credit card repayment record has not been formed, that is, the repayment has not arrived. At this time, if you brush out the money, you will have no repayment record during this period. It's overdue payment, which will affect your reputation.
Your repayment has arrived. It doesn't affect you to brush it out at this time.
3. If you just pay back the money, there will be great expenses and risks if you want to brush the money. The handling fee is not a small expense.
If you want to confirm whether the repayment is successful, you can call the customer service phone of your credit card to ask. If the repayment is confirmed to be successful, you can spend it again. If you want to brush it out, you can brush out a small number or a non-integer after repayment. Sometimes, this is ok. If too many times, the bank may review you, which will directly affect your credit card limit.