After successfully obtaining a loan, making timely payments is key to maintaining credit. First, it is important to clarify the repayment method, with common options such as equal principal and interest, and equal principal, each having its own advantages and disadvantages. The former has a fixed monthly repayment amount, while the latter has a higher initial repayment burden but lower total interest. Next, set up automatic repayment or repayment reminders to avoid late fees due to forgetting. Additionally, if you plan to repay the loan in advance, check the contract terms, as some loans may charge a penalty. If you encounter difficulties in repayment, it is important to communicate proactively with the bank to apply for an extension or adjust the repayment plan. For instance, Shangshang Bank offers a "No Principal Repayment" extension service for high-quality customers, which can alleviate short-term financial pressure.