If you spend with your credit card on the same day, you can repay it on the same day. \x0d\① Credit card consumption is the most cost-effective on the repayment date and enjoys the longest interest-free period; \x0d\② Credit card installments require additional handling fees, which vary according to the number of installments; \x0d\③ Credit card payments must be made in a timely manner to avoid high late payment fees and penalty interest;\x0d\④ Do not easily use the minimum repayment amount indicated on the bill.