For the same bill, the repayment order is annual fee, interest, handling fee (installment or cash withdrawal), cash withdrawal principal and credit card consumption principal. That is to say, if the cardholder both swipes the card and withdraws cash in the same billing cycle, the repayment amount will give priority to the repayment of interest, handling fee and cash withdrawal principal, and the remaining amount will be repaid by swiping the card. For bills with different periods, if the withdrawal date is in the next billing period, it is necessary to pay back the credit card consumption amount of the previous period first, and then pay back the interest, handling fee, withdrawal principal and consumption amount of the current period.