credit card pad, also known as credit card repayment, generally means that credit card users can't pay off all the money in the current month, but want to pay back in full to get interest-free or points. Or the user is unable to repay the money, and delays the repayment time by paying the prepayment fee every month. \xd\ The specific process of credit card repayment is as follows: \xd\ 1. The payer takes your credit card and goes to the repayment bank first; \xd\ 2. Wait for about 1 minutes after paying back the money, and then cash out all the money just returned on his POS machine; \xd\ 3. The credit card holder pays the handling fee (1%-3% of the repayment amount) to the repayment agent, and the bank determines that the credit card practitioner has fully repaid and fully consumed \xd\ 4. Interest-free and sends the next bill. \xd\ Actually, according to bank regulations, credit cards cannot be delayed for one day. Otherwise, it is expected, and 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 constant telephone calls from bank personnel. When credit card users can't pay the minimum repayment amount in a short period of time, or can pay the minimum repayment amount, but don't want to pay high interest, they usually choose credit card to pay back.