1. installment repayment: make full use of the bill date to make changes, that is, make changes on the bill provided by the bank. This is the lowest cost repayment method among all methods, which can extend the repayment time without any handling fee and reduce your own repayment cost.
2. Minimum repayment amount: the minimum repayment amount only needs to pay 65,438+00% of the bill amount. If the debt is 10000 yuan, only 1000 yuan is needed, which greatly reduces the repayment pressure at that time, will not cause overdue and will not affect personal credit information.