Depending on the situation, repayment sometimes requires a handling fee, which increases the cardholder's expenses.

Here are several ways to avoid credit card repayment fees.

First, pay cash at the bank counter. This is the most direct method, but the disadvantage is that you must go to the credit card bank before the repayment date.

Second, go to the bank for credit card repayment and self-service terminal payment. If there are many people in the bank, you can pay by yourself at the credit card repayment self-service terminal without waiting. But sometimes it will take a day or two.

Third, bind the debit cards of peers and repay them automatically. This method is better, just open a card in the bank and bind it. As long as there is enough money in the debit card, you don't have to worry about the time and amount of repayment, and the bank will draw it away by itself. There will be no handling fee for peers.

Fourth, online repayment. Now online repayment methods such as Alipay and UnionPay Online are popular. There are many banks' credit cards that can realize online repayment, and there is no handling fee. Everyone should see clearly whether the bank where their credit card is located is in the ranks of no charge.

Fifth, Lacarra in the supermarket. In the supermarkets near the residential area, there are generally "Lacarra", which is also a good repayment method. With this machine, you can pay directly by debit card, just near your home, without going to the bank. However, before repayment, you should read the instructions on the machine to see if your credit card bank is free.