Loan repayment is cost-effective, unless you are a usurer (credit card is similar to usury), never use credit card overdraft as a loan. Generally, credit card is used for consumption, and the overdraft time is short and the amount is small. It is best to pay it off in full before the repayment period. Credit card interest rate 15 ~ 18%, loan interest rate 7%~9%, more than double.

Credit card installment is definitely cost-effective. The average charge rate of credit card installment is between 0.6% and 0.9%, and the minimum monthly repayment interest is 0.5‰×30 = 1.5%. However, if most banks pay in advance, they will have to pay the later handling fee. The minimum repayment can pay off the arrears at any time, and there is no need to pay interest later.

These two businesses are normal credit card businesses and will not affect credit.