Because the minimum repayment amount of Panjin Bank’s credit card charges 0.05% of the remaining unpaid amount every day. It can be said that the interest is very high and many people have no way to repay it. During the epidemic, many Panjin Bank credit card holders have a reduced willingness to repay, resulting in an increasing overdue rate of credit cards. In order to increase users' willingness to repay, Panjin Bank Credit Card Center would rather use interest-free methods to stimulate users to repay, which means that as long as After repayment, any fees incurred except the principal can be refunded to the cardholder.