The interest of different repayment products is different. For example, the interest on saving a credit card is 60% of the credit card repayment rate, but it needs to be audited according to the borrower's repayment ability and credit status to determine the specific amount and interest. The interest applied by my friend is 0.83% in March, 0.73% in June and 0.68% in February, while the monthly fee for credit cards in most banks is 0.6%-0.7%, which is not much cheaper. Personally, I will directly pay by credit card in installments. After all, security in banks is still relatively high.