Credit card full repayment, no need to make an agreement. In the loan contract signed between the borrower and the bank, full repayment is the default repayment method. After the repayment period expires, the borrower needs to pay all the loan principal and interest as agreed.

legal ground

Article 674 of the Civil Code

The borrower shall pay interest at the agreed time limit.

Article 675

The borrower shall repay the loan within the agreed time limit.

Article 676

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Article six hundred and eighty

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.