Credit card charges cyclic interest, which will only appear when the user makes the minimum repayment or overdue repayment.

Users pay in installments and repay on time. The former only has installment fees, while the latter has no fees. Neither of these two repayment methods will generate cyclic interest. This kind of revolving interest is agreed between the bank and the user when applying for a credit card, and the user cannot apply for cancellation.

Therefore, as long as users repay in full or in installments, they can avoid charging cyclic interest.