Credit card arrears are paid on time according to the bill, which has little to do with reducing or increasing. You can also repay the loan normally after the reduction or exemption. Credit card repayment method is as follows:

1. Automatic repayment service repayment: If the bank that handles the credit card also handles the savings card, it can open the automatic repayment service to realize automatic repayment when the balance in the savings card is sufficient.

2. Repayment by ATM of the credit card issuing bank.

3. Repayment through third-party platforms such as Alipay and WeChat.