even if there is already a penalty interest and late payment fee, if you are eloquent and have no bad record, the customer service can even exempt you from the penalty interest and late payment fee. Of course, it depends on your skill. Second, telephone repayment. Telephone repayment is a quick and simple way to pay the arrears at the last minute. You can use your checkbook to dial the toll-free phone printed on the back of the credit card to repay by check, or you can use the function of inter-bank remittance or inter-bank transfer to transfer the funds in your debit card account to the credit card. Of course, the premise is that your debit card issuing bank has this function. At present, many card-issuing banks accept telephone payment, but some card-issuing banks will charge fees for special repayment methods, so it is best to consult in advance.
For those who spend too much money without restraint, they really don't pay the money when it is due:
First, pay the minimum repayment amount
Every bank will set a minimum repayment amount for credit card holders. As long as the cardholders can pay this minimum amount, the banks will neither charge late fees nor affect their personal credit. Generally speaking, this minimum repayment amount is 1% of the bill amount. However, it should be noted that if you choose the minimum repayment amount, you will not be charged a late fee, but you will be charged an interest of five ten thousandths per day.
Second, change the repayment date
Third, choose a small-scale issuing bank
Another way to avoid the late payment fee is to choose a credit card of a credit cooperative or a small-scale issuing bank. They will be more relaxed about the amount and time of paying the late payment fee and have more room for operation. Some small banks even waive the late payment fee for credit card repayment after the repayment deadline of more than ten days.