The correct statement about the bank's prepayment is that the prepayment application, repayment method and prepayment will not affect the credit record.

Apply for prepayment: CDB student loans support prepayment, and borrowers can apply for prepayment through official website of China Development Bank, Alipay student loan repayment function, Alipay life number or pos machine.

2. Repayment method: CDB student loan is repaid with the loan, and the borrower can use Alipay's student loan repayment function, Alipay life number or pos machine to repay at any time before the repayment date.

3. Prepayment does not affect the credit history: if you do not prepay after application, it will not be recorded as overdue, but you should reapply for prepayment next time. In addition, if the borrower fails to repay the principal and interest in the current month, it will not be able to apply for early repayment.