But this should be considered according to everyone's own situation. In short, as long as the credit card is repaid on the last repayment date, there will be no credit problems, and at the same time, it can enjoy a longer interest-free period.

3. Benefits of prepayment: It is easier to increase the amount by reducing personal liabilities; Disadvantages: reduced available cash and increased certain economic pressure.

Extended data:

Repayment process

Issuing bank also

1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;

2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit card number, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;

4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;

5. Query the transaction after repayment and print the receipt.

Network repayment

Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.

1. Payee account name: fill in the name of the credit card holder.

2. Payee's bank: fill in "Bank Credit Card Center".

3. Transfer to payee's account: fill in 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the one-card withdrawal password.

6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.

7. Accepted currency for repayment of the "payment plan" function: RMB.

8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.

9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.

10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.

Baidu encyclopedia-credit card repayment