Whether it is necessary to repay depends on whether there is any debt.
If there is no debt on the card, it will not be used for several months, or even within the validity period, there is no need to repay it. If there is a debt on the card, even if it is useless for a month, you still have to pay it back. If it is not returned, it will be regarded as overdue and will leave a bad credit record.
Extended data:
Credit card repayment method
Credit card repayment The common credit card repayment methods in China mainly include the following categories (according to the cost level):
1, intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2, mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
3. Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
4. Online repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Baidu encyclopedia-credit card repayment