Yes, repayment immediately after the overage will have no impact on the card. If repayment is made before the final repayment period, it will still be beneficial to maintaining the card.

What is a credit card over-limit:

A credit card over-limit refers to the cumulative use of credit limit in a billing cycle exceeding the credit limit approved by the card issuer. Some bank credit cards provide cardholders with the service of over-limit credit card swiping. They can swipe the card in excess of the original limit by a certain percentage, but over-limit fees will be charged. There are also some banks that stipulate that cardholders cannot swipe their cards beyond the limit. If the amount swiped exceeds the credit limit of the credit card itself, they will be prompted to fail to swipe the card.

How to maintain a card correctly:

Maintaining a card correctly can increase the bank's credit limit for our credit cards. The following methods have been tested over time and are considered the most effective by most senior card owners.

1. To maintain a good credit card, the first thing you need to do is to swipe more cards, and to achieve diversified card consumption. Banks generally prefer users who use credit cards more for consumption. When swiping cards for consumption, banks will charge merchants fee, so it is beneficial to the cardholder to swipe the card more.

2. When maintaining a credit card, you can occasionally use the cash withdrawal function. Using a credit card to withdraw cash allows the bank to earn a certain amount of handling fees. Banks issue credit cards to make money, and cash withdrawals just bring revenue to the bank. The bank is still very Happy users to use it, but be sure to avoid frequent use.

3. To maintain a credit card well, you must repay it on time after consumption. The bank will consider that the cardholder has a strong repayment ability and a strong ability to keep promises. If you want to repay it on time later, This is essential to increase the fixed amount.

4. When maintaining a card, avoid sudden large-amount card consumption. This consumption habit is likely to be regarded as cashing out by the bank, which is very detrimental to the cardholder. In this case, the bank will also reduce the credit card limit or directly block the card, which everyone needs to pay attention to.

5. When you have a credit card, you have the opportunity to make purchases abroad. This kind of consumption can allow the bank to earn part of the foreign currency conversion fee. The bank likes this consumption method very much and can entrust the bank with the repayment. To make repayment, please consult the bank for specific repayment details.