1. Full repayment: Full repayment can avoid the accumulation of interest and reduce the repayment cost. In addition, full repayment can help cardholders establish a good credit record, improve their personal credit score, and provide more advantages for future loan applications. Full repayment can also avoid falling into the "minimum repayment trap" and maintain good financial habits.
2. installment repayment: timely and full repayment: this is the most ideal repayment method, which can avoid interest and late fees and maintain a good credit record.
3. Minimum repayment amount: The advantage of the minimum repayment amount is to share the repayment pressure without affecting the credit record, but the disadvantage is that it will generate cyclic interest. This method is suitable for users who can't repay in full in the short term, but they need to be careful not to pay only the minimum repayment amount for a long time, otherwise it will lead to the accumulation of credit card liabilities and interest, and they are most likely to fall into the dilemma of repaying liabilities.