1. Select the minimum repayment option. After maxing out the card, many people will choose the minimum repayment amount, but it should be reminded that the minimum repayment amount is roughly 10% of the cardholder's bill amount, and there is an additional 0.05% interest. Therefore, choosing a shorter repayment time and maximizing the single repayment amount is the best solution.

2. Modify the repayment date. Most card issuers allow cardholders to change the payment date. If you have a profit in a short period of time (less than one repayment cycle) and can repay the depleted card, you can choose this plan carefully. You need to It should be noted that the repayment date cannot be modified at any time. You must apply for the change before the maxed-out card bill date; at the same time, there is a limit to the number of modifications to the repayment date. Before choosing this option, you must first ask the card issuer to avoid planning. Failed.

3. Temporary quota. I maxed out the fixed credit limit on my credit card, so I quickly moved to a temporary limit.