If repayment is really difficult, the repayment burden can be temporarily reduced by installment repayment or payment of the minimum repayment amount.
Installment repayment: before the repayment date, apply for installment repayment of the current bill. After success, the first installment amount and handling fee will not be generated until the next bill, and the cardholder can enjoy a longer interest-free repayment period. However, it should be noted that different installment fees will be charged if you choose different installments for installment repayment.
Minimum repayment amount: it is the minimum amount that the issuing bank requires cardholders with overdraft to repay in each billing cycle. As long as the minimum repayment amount is enough before the final repayment date, it is still normal repayment.
Personal bad credit caused by overdue credit cards will affect cardholders' subsequent use of cards, application for loans and even travel and accommodation. Therefore, cardholders also need to pay attention to personal credit information, repay in full in advance, and at least pay the "minimum repayment amount" every month to avoid overdue.