1. Select the minimum repayment option. Many people will choose the minimum repayment amount after swiping the card, but it should be reminded that the minimum repayment amount is roughly 10% of the cardholder's bill amount, and there is 0.05% extra interest. Therefore, it is the best scheme to choose a shorter repayment time and try to increase the single repayment amount.
2. Modify the repayment date. Most card issuers allow cardholders to change the exchange date. If you have a short repayment period (less than one repayment period) for a card that has been maxed out, you can carefully choose this scheme. It should be noted that the repayment date can not be changed every time, so you should apply for a change before the billing date of the maxed-out card. At the same time, there are restrictions on the number of times the repayment date can be modified. Before choosing this scheme, you should first ask the card issuer to avoid "plan failure".
3. Temporary quota. The fixed credit line of credit card has been maxed out, so we have to move reinforcements-temporary credit line.