"Personal repayments have exceeded the threshold" — perhaps you've met with this warning when you made a loan or applied for a credit card. Let's just talk about what that means. Such a hint may be received when the act of repayment exceeds the agreed limit, i.e. failure to pay the debt on time or at the agreed amount, or undermines other relevant repayments. The result of these minor mistakes could be the destruction of your credit records, which could have an impact on your future application for credit or credit cards。

What does it mean that the individual's payback has exceeded the threshold

The loan or credit card will have detailed repayment provisions and agreements, such as the date, amount and manner of repayment. If you fail to pay your debts as agreed, you will be regarded as "over and above the limit". This may have a negative impact on your record-keeping and may affect even your future credit and credit card applications in the long run。

So what's the way to repay the loan? One possible way to do this is to equalize the principal of the loan, under which the share of principal and interest will be distributed evenly, although the percentage of principal and interest returned will vary from month to month, but the total amount will remain the same. Equivalent principal is also a good option, and in this way you repay the principal of the loan on a monthly basis, but interest decreases as the principal decreases. If repayment pressure is high, a combination of repayments may be considered, whereby the principal of the loan is repaid in instalments and interest is calculated on the basis of the time actually spent. The same option is available for repayments that are more or less progressive and equal, depending on your actual situation。