Early repayment can not only avoid high interest and late payment fees caused by overdue, but also help cardholders to better manage their personal finances.

When repaying in advance, the cardholder needs to ensure that he has paid off the current bill arrears and paid off the remaining unpaid handling fees in one lump sum. In addition, prepayment will not affect personal credit records and will not adversely affect future credit business. Therefore, before deciding to prepay, cardholders are advised to read the relevant terms and policies carefully so as to make an informed decision.