The repayment method of borrowing money is equal monthly payment or repayment of interest first, while the repayment method of credit card (debit card) is full repayment, minimum repayment and installment repayment. Moreover, borrowing is a daily interest-bearing product, and credit cards (debit cards) enjoy full repayment interest-free service, which is essentially different. Similar to credit cards (debit cards), Huabai supports full repayment, minimum repayment and installment repayment.

Whether it is a loan or a credit card (debit card), the final interest to be paid is different if you choose different repayment methods.