No agreement is required for full repayment of the credit card. Full repayment by credit card is the default option for bank card repayment. Generally, banks will notify you of the full repayment amount of the current bill by email or in a paper statement the day after the bill is issued.

Legal Basis

Article 510 of the Civil Code

After the contract comes into effect, the parties have no agreement on quality, price or remuneration, place of performance, etc. If the agreement or agreement is not clear, it can be supplemented by agreement; if a supplementary agreement cannot be reached, it will be determined according to the relevant terms of the contract or transaction practices.

Article 668

A loan contract shall be in writing, unless otherwise agreed upon for a loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 675

The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.