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Generally, credit card payments are done as per the billing cycle of the credit card lenders and depend upon how much payment the holder can make on the due date. There is a minimum payment that has to be made by the credit card holder on the due date every month.
What is the payment that is made immediately after every transaction?
- If the payment is made after every transaction, the interest charged on it will be zero and the total bill amount due at the end of the cycle will also be zero. This will be because the interest does not accumulate on the amounts of transactions that are done.
- This method is generally adopted by people who want to use credit cards for the purpose of rewards and benefits.
- If you want to use a credit card for a transaction that has no benefit for it, then you can always use a debit card as it will help you avoid making two payments instead of just one.
- Paying minimum charges only will hamper the benefits that are available for using your credit cards. If you are not able to pay the minimum amount due then you should evaluate your expenses carefully. Credit cards should not be swapped if you are not financially prepared to pay for the extra interest charges that are associated with them.
- You can anyway choose to repay the credit card amount after every transaction that has been done by you. It is a tedious process but can help you save interest costs.