What do you mean this bill has been paid off?

When you return the credit card, if the current bill is paid off, it means that the current bill has been paid off. Now the customer doesn't have to pay it back, just wait until the next bill comes out. In this case, the customer may have returned the bill after it came out, but forgot to operate the repayment on the repayment date; It may also be that the outstanding bills are paid directly in advance, and there is no new consumption after that, so there is no need to pay them back.

What does the current bill balance mean?

The balance of the current bill refers to the comparison between the sum of each transaction amount and receivable expenses and your deposit from the previous billing date to the current billing date. There is a "-"sign in the balance, which means that your current balance has a balance; There is no "-"sign in the balance, which means that your current credit card balance has been overdrawn. For example, when the current credit card balance is "0", it means that your credit card limit is not overdrawn; When the available balance of the credit card is "9000", it means that the card still has this limit for overdraft or consumption; Suppose your credit card limit is "9000" and you overdraw 1000, then your current credit card balance is "-8000" and your credit card available balance is "8000".

Minimum repayment amount in this period: If the credit card holder has difficulty in repaying all the payables before the due repayment date of the credit card, he can make repayment according to the minimum repayment amount according to the regulations of the issuing bank. That is, the minimum amount to be repaid in this period. Interest on the minimum repayment amount of the credit card; Minimum repayment amount = 65438+ 00% of the consumption amount within the credit line+65438+000% of the cash advance transaction amount+65438+000% of the unpaid part of the previous minimum repayment amount+65438+000% of the consumption amount exceeding the credit line+65438+000% of the expenses and interest. At present, in the above formula, some banks use the minimum repayment rate of 10% to advance cash. Credit card holders who only pay the minimum monthly payment will generate credit card interest, and all credit cards have a certain interest-free period. If the cardholder uses the overdraft amount during the interest-free period and repays the consumption amount on the due repayment date, he does not need to bear the interest expense. However, if the repayment is not made in full after the due repayment date, the credit card interest will be borne, and the unpaid part of the minimum repayment amount will no longer enjoy the interest-free period. 0.05% (0.05%) interest will be charged every day from the date when consumption is recorded, and compound interest will be calculated monthly.

When the credit card balance is negative, the cardholder should also pay attention to the following matters:

1. All accounts shall be settled before the cancellation of the credit card, and the overpayment shall be settled by cash withdrawal or credit card;

2. Overpayment by credit card means overpayment, and the ownership of money should belong to the cardholder;

3. Many banks have to charge extra fees for withdrawing credit card overpayment. For example, the payment of credit card overpayment of CCB is free in different places.

4. After the credit card transaction is cancelled with points, the points will be invalid;

If this credit card has many points, you should exchange gifts first, and then cancel this card. If the points are less, you can directly return the card.

6. Credit card cancellation cannot be handled at outlets. You can only contact the credit card center indicated on the back of the card by phone to apply for card cancellation.