Credit card repays on a monthly basis, which is generally the consumption of the current month and the repayment of the next month. Different banks have corresponding interest-free periods and interest-bearing periods.

Credit cards have to be repaid every month, but cardholders can choose whether to repay in full or in part according to their own economic conditions. If paid in full, there is no need to pay interest.

As long as credit card users return their credit cards on time every period, there will be no bad credit records. The record of timely repayment will also help to maintain personal credit information, and subsequent credit applications will not be affected.