The second repayment method is that before the final interest-free period, the cardholder repays part of the amount, and the amount exceeds the minimum repayment amount, but as long as the cardholder does not repay in full, the cardholder will still be required to repay the amount. Interest is payable on the full amount of the overdraft. Since some banks currently do not remind you of the interest calculation method, you should pay special attention to the interest calculation method of repayment when using a card for overdraft consumption, and find out the repayment interest calculation method of the card bank in a timely manner to avoid overpaying unjust interest?6? 1 Consumers can avoid losses through the following five methods: ① Find out the repayment and interest calculation method of the bank holding the card. ② Check the exact amount owed by phone or online banking. ③ Keep some cash in your credit card to make up for the shortfall, but this cash does not accrue interest. ④ Find out the interest-free period and strive to repay the loan within the interest-free period. ⑤ Apply for a savings that matches the credit card. When the credit card is in debt, the bank will automatically transfer funds from the savings to repay the credit card debt. Understand the risks of prepaid consumer cards ① Due to the prepayment fee, consumers have lost interest in the same period, so although it is convenient, it comes at the expense of interest. ② Limits one’s freedom of choice. Applying for a consumption card at a certain merchant means that you must go to this merchant to make purchases, thus limiting the freedom of choice. ③ Some operators have unequal consumption terms. Due to their non-professional nature, most consumers do not understand certain consumption terms that are not conducive to consumers when applying for consumer cards, so they apply in a confused manner, which makes the merchants gain. ④ Consumers have little understanding of the property and operating conditions of operators. If a business changes owners, a store goes bankrupt, or even absconds with money, the interests of consumers cannot be protected.