1. Credit card repayment is an effective way to avoid late payment fees. First of all, it must be clear that credit card repayment refers to the act of paying off credit card arrears on time according to the time limit and the amount stipulated by the credit card company. If you want to avoid late payment, you must repay it on time.

2. Secondly, if you want to avoid late payment, you should control your consumption, don't exceed your ability to pay, and try not to let your credit card owe too much, so as not to exceed your repayment ability and lead to late payment.

3. In addition, you can avoid the late payment fee by automatic deduction, and you can automatically deduct the credit card arrears to the bank account, which can not only ensure timely repayment, but also avoid the late payment fee.

4. In addition, it is more convenient and faster to realize credit card repayment through online banking or mobile banking, and it can also effectively avoid the occurrence of late fees.

Finally, you can avoid the occurrence of late payment by repaying in advance some time before the bill date, which can effectively avoid the occurrence of late payment and save your own expenses.