The cost-effective methods for credit card repayment are as follows: 1. Repay on time. Timely repayment according to the time limit stipulated by the card issuer can avoid the occurrence of late payment fees and liquidated damages, thus saving expenses. Second, installment repayment. Installment repayment can divide the large amount of credit card arrears into multiple installments, and the interest of installment repayment is lower than that of one-time repayment, but care should be taken not to installment for a long time to avoid generating more interest expenses. Third, centralized repayment. Before the credit card expires, all the arrears will be repaid in a centralized way, which can reduce the interest paid and thus save money. Fourth, adjust the repayment date. If you have enough funds, you can try to repay in advance, which can reduce the interest paid and save money. 5. Repayment in advance. If you have enough funds, you can try to repay in advance, which can reduce the interest paid and save money. Six, the use of balance transfer. Balance transfer can be used to transfer money from one credit card to another without paying the handling fee, thus reducing the interest paid and saving expenses. Seven, the use of online payment. Online payment can save the handling fee of payment, thus saving expenses. Eight, the use of automatic repayment. Automatic repayment can automatically pay off the credit card debt within a specified time, thus saving money. Nine, the use of discount cards. Discount cards can enjoy discounts when paying credit card arrears, thus saving money. Ten, the use of credit card withholding. Credit card withholding can automatically pay off the credit card arrears within a specified time, thus saving money.