In the process of repayment, if conditions permit, try to choose full repayment. Full repayment during the interest-free period will not generate any fees. At the same time, if there is no full repayment, there will always be expenses from the day of swiping the card, and the interest expenses generated will be included in five ten thousandths of the total consumption. In addition, there will be a handling fee. When you repay, you should pay back the handling fee and arrears first, and then pay back the money you brushed. If there is no condition for full repayment, the cardholder can choose to use the minimum repayment amount. Although this repayment method can generate certain expenses, on the one hand, it will alleviate the financial problem for the card owner, and on the other hand, using the minimum repayment amount will help improve the personal credit record.