As long as the consumption amount does not exceed 3000, there is no need to repay. However, it is recommended that you do not deposit money in the credit card. Although there is no need to rush to pay back the money after swiping the card, there is a handling fee for withdrawing money, and some bank credit cards will also charge a cash management fee. Ordinary bank cards are generally UnionPay cards, which can also be used for credit card consumption. If you like to save money before spending, you'd better use an ordinary bank (that is, a debit card). After all, your credit record will be affected if your credit card is not repaid in time. In addition, I would like to remind you that the repayment date of credit cards is generally from the 20 th to the 26 th of each month, which varies slightly from bank to bank.