It is still important to forget your credit card. When using a credit card, as long as the payment is made in full between the billing date and the repayment date, there is no charge. However, if this time is exceeded, both credit cards and overdue credit cards will be displayed on the central bank's credit information, which will not only affect the credit information, but also increase the repayment cost. Credit card consumption is a non-cash transaction payment method. You don't need cash for consumption, and you can repay it on a single day. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to various media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. The credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is