First of all, there is a saying that small money pays big money, and most card users do the same. Of course, unless the cardholder maliciously cashes out, as in the case of a large amount of money after the billing date, the bank will generally turn a blind eye.
So the bank is really not worried about robbing Peter to pay Paul like this? In fact, credit card is the most commonly used financial tool for banks. From the perspective of risk control, banks are more willing to lend money to retail investors, that is, credit card users, rather than a single enterprise or individual.