Next, Cai Xiao answers for the big guy:
After swiping the card, it will be credited to the debt immediately, but the bank will not let you repay it immediately, and there is a certain interest-free period, usually between 45 and 56 days. For example, Xiao Chen swiped the card 10/000 yuan in April, and then immediately repaid in priority in the afternoon, which can directly offset the arrears, and the credit card amount immediately increased by 1000 yuan. The actual repayment period is only the final repayment period set by the bank, and early repayment is of course possible; If the bill date is 15, and Xiao Chen repays it immediately after swiping the card at 10, then the bill of 15 will have this expense detail, but there is no need to repay it, because it has already been repaid.
So what's the difference between early repayment and timely repayment?
In fact, for banks, there is not much difference between repaying a few days in advance and repaying on time. The banking system will not increase your limit voluntarily, because you always pay back one week in advance. The most important thing is related to the frequency and amount of credit card swiping. But there are advantages. For example, the bank recently increased the quota, one is often the repayment date, and the other is often the repayment a few days in advance, so the bank naturally gave the quota to the latter.
All in all, if the funds are sufficient and the repayment ability is no problem, the repayment will be made on time. If the funds are tight occasionally, the installment repayment can be preferred; When some card friends apply for increasing the quota, the customer service will tell you implicitly that they can generally choose to repay by installments, so that the bank can make money properly and the bank will give you benefits.