As repayment is a loan service provided to users, users must pay attention to their repayment ability when using repayment. If the loan amount exceeds your repayment ability, don't force yourself to pay off the credit card bill at one time, which will only get you deeper and deeper in the quagmire of debt. The cardholder can choose to pay the minimum repayment amount of the credit card first, or apply to the bank for bill installment, which is relatively safe.
In addition to the loan-based credit card repayment service, there is another credit card repayment service. These credit card repayment services often transfer a sum of money to the credit card first, and then return the cardholder's credit card bill. After that, the credit limit of the credit card will be restored, and the repayment institution will brush out the money they transferred.
In this process, the cardholder not only needs to pay the corresponding handling fee to the institution, but also is easily recognized by the bank as cashing in the card. Therefore, it is not recommended that cardholders often use this credit card repayment service.