Credit cards don't have to pay back every month. Users only need to pay back after spending with credit cards. The credit card will send the last month's bill to the cardholder on the billing date of each month, so as long as the credit card has been spent last month or has installments, the cardholder will repay it every month. It should be noted that cardholders need to choose installment, minimum repayment amount and full repayment before 24 o'clock on the monthly billing date.