You don't have to pay everything back. If the single consumption is large, you can apply for installment. After the installment, the installment amount of the credit card will be frozen, but you only need to pay the installment money every month. For example, if your credit card limit is 10000, you buy something of 1200, and then you apply for installment 12 months, then plus the handling fee and interest, you

There is also the minimum repayment amount. . The minimum repayment amount of a general bank is 10% of the amount you spend, that is, you spend 1000, so you still have 100, and of course there are some handling fees and interest. In this way, you don't have to pay back, to avoid credit decline, but the handling fee and interest in this way are relatively high.

The advantage of installment payment is that the money is stable every month, but if you want to pay it back in full in advance, how many installments of interest and handling fees should be deducted? . In this case, if it doesn't fit, return it. If you only temporarily overdraw the credit card limit for a rainy day, you can pay it all back next month, so try to pay it all back. If it can be paid in full after 3 months, the minimum amount will be paid first. .

The handwriting is very hard, please adopt it. . T T