Of course not. It is a pleasure for banks to pay back their credit cards on time. In fact, bank credit cards set a full and minimum repayment amount every month. As long as the minimum repayment amount is added, it can be regarded as the repayment amount on time, but the bank should be happy to pay interest. In addition, even if everyone pays back in full, banks still have other sources of income, such as merchant click-through rates and so on.