China Merchants Bank Credit Card does allow early repayment and provides a variety of convenient repayment methods. You can transfer money through the counter, Alipay, or directly at the ATM machine. There are no additional fees for repaying your loan on time, but please note that late fees and interest will be incurred, which will have a negative impact on your credit history. The late payment fee is 5% of the unpaid minimum repayment amount, and the overdue interest is calculated based on the consumption amount of the previous month multiplied by the number of overdue days, and then multiplied by the daily interest rate of 0.5%. The typical pattern of credit cards is to defer repayment after consumption. Therefore, it may be better to leave the funds in a savings account than to repay in advance, and the funds will be automatically deducted on the repayment date, which can also earn savings interest. To prevent forgetting to repay, you can set up automatic linked repayments. Proper use of credit cards is actually a financial management strategy.