Principle of intelligent credit card repayment software: using small funds instead of manual repayment and swiping cards to realize the process of paying off all current bills of credit cards. Between the billing date and the repayment date of the credit card, if the cardholder's accumulated repayment amount is greater than the bill amount, the bank will think that the cardholder's current bill has been paid off and restore the line in real time. Based on this principle, some funds are used to meet the requirements of bank repayment, and the repayment path is no problem, which belongs to regular repayment. Using Zhihuai software to repay the loan will help the cardholder to withdraw the amount. Because the intelligent repayment software controls the corresponding repayment rhythm, a better repayment plan is made. From the bank's point of view, small credit cards swipe their cards many times, and banks earn more money. From the cardholder's point of view, it reduces the repayment pressure of cardholders and increases the frequency of credit card consumption. Theoretically, Zhihuai software is more conducive to credit card withdrawal. On the forehead, Ka Bu Zhi did well, too.