Usually, it takes 20 days from the issuance of credit card to the final repayment date, and users need to repay within these 20 days after borrowing.

In the process of repayment, users should try their best to repay on time so as not to delay repayment. If the money is not enough, the user can repay according to the minimum repayment amount, so as not to adversely affect personal credit. If the user can't repay all the debts within the specified time, there are the following solutions:

1. Actively maintain smooth communication channels with banks and apply for deferred repayment to avoid cashing out and mutual lending.

2. In the face of bank prosecution, cardholders should actively respond to the lawsuit and seek reconciliation.