Automatic repayment allows cardholders to control their own funds without being limited by the time and amount of each repayment, with high flexibility. Moreover, because the repayment is automatically deducted before the last repayment date, it will not affect the credit rating of the cardholder. In addition, the cardholder can also set the specific amount and cycle of automatic repayment according to his own needs and repayment ability, so as to ensure that the credit card bill is clear and avoid tedious manual operation.
Although automatic repayment can relieve the burden of memory to a certain extent and improve the discount efficiency of payment methods, it also requires cardholders to fully understand and manage their own accounts and funds to ensure that automatic repayment will not lead to negative effects such as accounting confusion and overdue repayment. In a word, automatic credit card repayment is a convenient and efficient repayment method, which can improve the comprehensive use value of credit cards, but it also requires cardholders to carry out risk management and fund management on accounts.