At present, credit card repayment methods are divided into: full repayment, minimum repayment and installment repayment. Repay in full before the final repayment date, without interest and without affecting the credit history; If the repayment is made according to the minimum amount before the final repayment date, interest will be charged, and the credit history will not be affected; If the minimum repayment amount is not enough, not only interest will be charged, but also late fees will be charged, which will affect the credit record.

The credit card is 8,000 yuan. If it can be repaid in the last 1 or 2 months, you can choose the minimum repayment method, and the rest will bear interest at 15,000 yuan per day.

If the cash flow is tight in the last six months, you can choose to repay by installments, which can be 6 installments or 12 installments. At present, the installment fee is generally 0.75%, which is more cost-effective than the minimum repayment amount.