Credit cards do allow prepayment, providing various repayment methods for the convenience of users. First of all, you can choose to go directly to the bank counter for repayment, or transfer money through Alipay, or even use ATM to complete automatic repayment. What's important is that as long as the repayment is made on time, the bank won't charge extra fees. Keeping a good repayment record is very important for your credit score.

however, if the repayment is not made on time, the consequences may not be optimistic. Late payment fee is a big price for overdue repayment, and the unpaid minimum repayment amount will be calculated at 5%. At the same time, the overdue credit card consumption will be calculated at the interest rate of .5 per day, which will increase your debt burden. The core function of credit card is short-term overdraft, so frequent prepayment is not recommended, because it may miss the opportunity to save interest.

It is suggested that you deposit your funds in a savings account and wait until the repayment date, so that you can not only avoid late fees and interest, but also generate interest income from your funds. If you are worried about forgetting to repay, you can set up an automatic deduction function to ensure the timeliness of repayment. Rational use of credit cards is actually a financial management strategy, and the key lies in grasping the balance between use and repayment.