It can also avoid some unnecessary troubles caused by delayed repayment due to forgetfulness.
Some banks can also waive the annual debit card fee if the debit card is associated with a credit card.
The disadvantage is that,
1. Sometimes I don't want to repay in full, but because I have handled the automatic repayment, I will deduct all the money.
2. after a long time, I am used to automatic repayment, so I will ignore it. As a result, the debit card account balance could not be found, and the repayment was unsuccessful.
3. If the repayment is made manually on the repayment date, but the system cannot recognize it, it will continue to make automatic repayment from the associated card, resulting in repeated repayment.