Whether the credit card (debit card) arrears are recorded or not, users can choose to repay in advance. However, credit cards (debit cards) have an interest-free period, and prepayment will shorten the interest-free period. Credit cards (credit cards) are prepaid in installments. As long as the installment fee is not charged at one time, users can reduce the cost by repaying in advance, which is more cost-effective for users.

In addition, after the credit card (debit card) prepays, as long as the repayment amount is higher than the minimum repayment amount of the bill, there is no need to repay during this period.