It is understood that if a credit card is associated with a debit card account, the cardholder can enjoy the automatic repayment function of the credit card through the associated account. Some banks said that if the credit card is associated with the bank's debit card, automatic repayment is completely free.

Some bankers said that this is similar to mortgage repayment. On the repayment date, the bank automatically deducts the amount due in the current month from the customer's debit card. At present, most banks have the business of binding automatic repayment. Because it is convenient and free, banks generally recommend this related business for customers who apply for credit cards.