Credit card installments can be paid off in one lump sum in advance. However, this requires the cardholder to actively apply to the bank, and the installment business can be terminated only after the bank's confirmation. After the early settlement, the remaining balance will not be repaid. The principal will be included in the next bill in one go, and the cardholder needs to repay the entire remaining principal and installment interest before the due date of the bill. In addition, the bank will waive early settlement for the remaining installments ( The installment interest (excluding the current period) will be refunded to the cardholder's credit card account for the installment interest that has been collected in one lump sum for the remaining periods (excluding the current period) of the amount settled in advance. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consuming, and repayment will be made on the billing date. Starting from January 1, 2021, the credit card overdraft interest rate will be independently negotiated by the card issuer and the cardholder. It is confirmed that the upper limit and lower limit management of credit card overdraft interest rates will be cancelled. (The original upper limit was 5/10,000 daily interest rates and the lower limit was 0.7 times the daily interest rate 5/10,000ths).