Second, if your father's credit card has not reached the final repayment period, and all the loans that can be repaid by installments are paid by installments for two years, then if it is120,000, it will be repaid in 24 months, only 5,000 yuan per month, plus the installment fee, which is probably 840 yuan, that is, about 5,840 yuan per month. If the money cannot be replaced, the minimum repayment amount can be paid. The minimum repayment amount is 65438+ 00% of the repayment amount, that is, 584 yuan. However, if you choose the minimum repayment amount, it will generate interest, which is 5/10000 yuan per day, that is, the daily interest will be 2.5 yuan, and then it will be rolled over to the next installment. This method will increase your total repayment amount, but it can extend the repayment period.

Third, if the final repayment period has passed, you can't pay by installment. If you don't want to be sued, you will pay back the minimum amount every month. The minimum repayment amount is 65438+ 00% of the total amount, 10000 yuan or more. This will also generate interest, which is five ten thousandths of that.

You see, if you can raise more than 10 thousand yuan, you can slowly extend the repayment time, but in this way, the interest will be high, and it is best to pay it off in one lump sum.