Credit cards do not have to be repaid after the bill is issued. You can repay before the bill is issued, and there is no need to pay any handling fees.

Under normal circumstances, the order of credit card repayment is to pay off the bills that have been issued first, and then the bills that have not been issued. If the user repays in advance, the repayment amount will be given priority to paying off the bills that have been issued, and then returning the unpaid bills.

Credit card repayments can also be repaid in advance after installments, but the handling fee at the point of difference must be paid as usual. There is no installation fee for different banks. The specific regulations of the bank shall prevail.