1. When the credit card repays on the repayment date, the repayment amount will generally be restored to the credit limit the next day. With the credit line, users can continue to use credit cards. In some banks, the amount of credit card withdrawal is resumed the next day after repayment, so users can also withdraw their credit cards the next day. Moreover, even if the user fails to repay the loan on the repayment date, the user can only continue to use the credit card if there is an available amount. However, after credit card repayment, the available amount will increase, and users can also reduce some debts in the current month.

Second, credit card repayment related content

1. Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank. Starting from March 26th, 20 19, when individual users use the "credit card repayment" function of Alipay client, Alipay will charge a service fee of 0. 1% for the part exceeding the free quota of 2,000 yuan. Alipay's rules for adjusting credit card repayment are not the first in the industry, and WeChat has taken the lead in ending the benefits of free credit card repayment.

2. The consequences of overdue repayment of credit cards are serious, so overdraft consumption should be moderate. Although the biggest feature of credit card is its overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay the loan at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

3. After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If it is not fully repaid on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded. The violent collection of credit cards that caused legal disputes has become a hot topic. Many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". These companies are mixed, and their debt collection methods are rough, which brings great trouble to their customers.