Instalment repayment. If financial problems arise in a short period of time, the minimum repayment will be more cost-effective. This repayment method is very flexible and can be settled in full at any time when needed. If you are unable to pay off your debt for a long time, installments will be more cost-effective. However, it should be noted that if you want to settle the debt in advance after choosing installments, you will need to pay a certain amount of liquidated damages. Although minimum repayment and installment repayment each have their own advantages, consider this issue from the perspective of card maintenance and try to focus on installment repayment.