Credit cards can be repaid in advance and at the right time, which will also help to increase your credit limit. I will elaborate on the following points for you: 1. Repayment before the bill date

First of all, let me explain the bill date. After you apply for a credit card, the credit card will set a bill date for you. On this date of each month, the bank will settle all the consumption amounts between the bill date of last month and the bill date of this month for you. The total amount is your bill this month, and you need to pay back the total amount of this bill this month.

after knowing the meaning of the billing date, if you repay the loan before the billing date, your billing amount on the billing date will also count your repayment, that is, the billing amount will be subtracted from this repayment. For example, if your billing date is 25th of each month, you have spent 1 bills between September 25th and October 25th, and the total consumption of 1 bills is 2 yuan. You paid a 1 yuan on October 12th before the 25th of October billing date, then the bill on October 25th is =2-1=1 yuan. If you pay back a sum of 2 yuan on October 12th, then the bill on October 25th is =2-2= yuan; If you pay a sum of 3, yuan on October 12th, then the bill on October 25th is =2-3=-1 yuan; Appear -1 yuan means that you have saved more 1 yuan. Your quota was originally 2, yuan, and you can brush 21, yuan next month. Second, repayment after the bill date

repayment after the bill date means repayment within a period of time after the bill date. This repayment period varies from bank to bank, but it is about 15-2 days. As long as you repay within 15-2 days after the bill date, it doesn't matter to you. Iii. Repayment after the last repayment date

Just mentioned the billing date, repayment date and the last repayment date, which is the last day of the 1-15-day repayment time limit after the billing date. If you repay after the last repayment date, the bank will count your repayment record as overdue and report it to the credit center.

Generally speaking, prepayment has no influence on your credit information, but pay attention to two dates, billing date and final repayment date. Repayment before the billing date can reduce your billing amount, and repayment before the final repayment date after the billing date is normal repayment, that is, it will not affect your billing and credit information, and repayment after the final repayment date will have an impact on your credit information.