the credit card can be repaid on the same day. \xd\① Credit cards are the most cost-effective on the repayment date and enjoy the longest interest-free period; \xd\② Credit cards need to bear additional handling fees for installment payment, which varies according to the number of installments; \xd\③ Credit cards should be repaid in time to avoid high late fees and penalty interest; \xd\④ Don't use the minimum repayment amount indicated in the bill easily.