The specific process of credit card repayment is: the payer takes your credit card and goes to the repayment bank first. Wait about ten minutes after paying back the money, and then cash out all the money just paid back on his POS machine. The credit card holder pays the handling fee (65438+ 0%-3% of the repayment amount) to the repayment agent, and the bank determines that the credit card practitioners have fully repaid and spent. Interest-free and send the next bill. Due to bank regulations, credit cards cannot be delayed for one day. Otherwise, it is expected that late fees and interest will be charged. You can't just pay interest, you must also pay the minimum repayment amount, otherwise it will be overdue and there will be phone calls from bank personnel. When credit card users can't pay the minimum repayment amount in a short time, or they can pay the minimum repayment amount, but they don't want to pay high interest for the credit card, they usually choose to pay back the credit card pad.