1. Do you want to pay in advance?

2. This is not recommended. Because credit cards have an interest-free period, there is no need to overdraw the line to pay interest during the interest-free period (that is, before the repayment date). During this period, you can get benefits from your financial management, which is much more cost-effective than prepayment.

3. First, prepayment means that you keep telling the bank that you are not highly dependent on credit cards and are unwilling to overdraw, so there is little room for cash withdrawal from credit cards in the future.

4. Second, the advance of credit card also means giving up the interest-free period, which reduces the efficiency of capital use.

Credit cards generally have an interest-free period of more than one month. You can repay on the repayment date after invoicing. If you pay in advance every time, it means that you have given up this benefit.