Is it illegal to use mobile banking to repay credit cards across banks?

No

How to repay credit cards across banks:

Common There are many ways to repay credit cards across banks. One is to repay through an ATM machine, and the other is to repay online. The operation methods of different repayment methods are different.

1. ATM repayment:

Insert a bank's debit card into the ATM machine, enter the password to log in to the page, click Repay on the screen, and enter the bank you want to repay. Please enter the credit card used for payment, cardholder name, and repayment amount. After confirming that they are correct, enter the transaction password and the repayment will be successful.

It should be noted that the credit card payment time will be different when using ATM machines across banks. Some may arrive within 24 hours, while others may take 2 to 3 days to arrive. In order to avoid If the payment is not received on time, it is best to repay the loan a week in advance. In addition, ATM repayment will also involve handling fees, which are usually 1% of the repayment amount, but there will be an upper and lower limit, depending on the bank.

2. Online repayment:

Refers to cross-bank repayment through online banking, mobile banking, and other third-party platforms. It is recommended to use the mobile banking of each bank, or When repaying money on the UnionPay QuickPass APP, the repayment operation method is similar. You want to bind a debit card first, then enter the credit card of the bank, the name of the cardholder, the repayment amount, and the transaction password, and you can repay. The payment was successful.

How to repay other bank's credit card through Bank of China Mobile Banking

If you want to repay other bank's credit card, you can perform the transfer operation in the "Transfer" function of Bank of China Mobile Banking.

If you need further information, please call the Bank of China customer service hotline 95566.

The above content is for your reference, please refer to actual business regulations.

Can I repay credit cards across banks through mobile banking?

You can use debit cards, credit cards (credit balances), settlement-type ordinary current accounts, and current all-in-one accounts in Bank of China mobile banking Transfer funds to accounts opened in other domestic banks.

The above content is for your reference, please refer to actual business regulations.

How to pay back credit card by mobile banking transfer without handling fee

Mobile banking transfer can be said to be a very fast way to pay back credit card, but as far as we know, many banks’ mobile transfer is There is a handling fee, which is a considerable expense in the long run. So, is there any way to make mobile banking transfers without charging fees?

As we all know, bank card transfers between banks or other places will incur a handling fee, and even hundreds of yuan will be deducted for large-amount transfers, which makes many cardholders feel distressed. I have discovered a few tricks for free transfers to pay back credit cards, and after verification, they have certain feasibility.

Tip 1: Transfer money through a third-party payment platform

Download Alipay on your mobile phone and transfer money to your credit card through Alipay for free. Many friends know this.

Disadvantages: Usually payment platforms have restrictions on the amount of transfers in a single time or in a single day. Transfer procedures exceeding 10,000 yuan will become cumbersome. In addition, because it is through a third-party platform, be careful of some irregularities. Platform and fraudulent use cases.

Tip 2: Use some mobile banks that offer free transfers

Some banks have announced that there is no handling fee for transfers through mobile banking, regardless of whether they are inter-bank transfers. Of course, the mobile banking you use must be able to provide free transfer services.

Disadvantages: Not all banks support free transfers.

So, here’s the problem! Which banks have free mobile banking?

There is news that

Industry, Agriculture, China, Construction, and Communications

Five banks announced that they will successively accept transfers made by customers through mobile banking. , remittance business, whether across banks or different places, there is no handling fee. It also promises to waive handling fees for customers' domestic RMB online bank transfers and remittances of less than 5,000 yuan.

Friends who want to pay off their credit cards can choose any of these banks to transfer funds.

The above is an introduction to how to waive handling fees for mobile bank transfers and credit cards in 2016. I hope it will be helpful to you.

Are there any inter-bank credit card charges for mobile banking? These banks can help you save money

Since WeChat and Alipay charge credit card repayments, many friends also want to know if there are any free and fast repayment channels. In fact, there are many platforms that allow you to pay back credit cards for free, but when it comes to safety and reliability, none can compare to mobile banking. Let’s take a look at whether mobile banking can repay credit card charges across banks.

Whether there is a fee for inter-bank repayment of credit cards through mobile banking in 2019 depends on the regulations of each bank.

However, judging from the current situation, there are more than 20 banks that can repay credit cards for free through mobile banking, such as the Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and Communications Bank that we most often deal with. Bank of China and other state-owned banks, as well as commercial banks such as China Merchants Bank, Shanghai Pudong Development Bank, China Minsheng Bank, and Hua Xia Bank.

Whether you use mobile banking to repay local, remote, peer or inter-bank credit cards, it is all free, and the repayment methods are diversified. In addition to repaying your own credit card, you can also repay it to others. Repayment. If you are afraid of forgetting the repayment time, you can also set a repayment reminder, or directly associate your savings card with your credit card and activate the automatic repayment function. The system will automatically deduct money from your savings card for repayment on the final payment date. As long as you repay If you have money in your savings card, you don't have to worry about it being overdue.

What’s more worth mentioning is that the operation of mobile banking to pay off credit cards is very simple, even the elderly can easily get started. Just download mobile banking on your phone, enter your account and password to log in, click the transfer function, enter the credit card you want to repay, confirm your name, and then follow the prompts. After the transfer is successful, it can arrive in your account in as little as 5 minutes, and can be restored in real time. Quota.

The above is the relevant introduction to "Can mobile banking repay credit card charges across banks?" I hope it will be helpful to everyone. All in all, there are many banks whose mobile banking allows you to repay credit cards for free, and more banks will join this free army in the future. You no longer have to worry about extra handling fees for credit card repayments.

Can mobile banking transfer funds to credit cards across banks?

Mobile banking can transfer funds across banks to credit cards. The method is as follows (taking the Postal Savings Bank mobile banking client as an example):

The first step is to click on the "Postal Savings Bank" mobile client on your phone to enter the homepage of the Postal Savings Bank mobile app.

The second step is to open the homepage of the Postal Savings Bank mobile banking app and click "My" in the lower right corner to enter the login interface.

The third step is to enter your account number and password on the login interface and successfully log in to mobile banking.

The fourth step is to return to the homepage of mobile banking and click the "Smart Transfer" button on the upper right to enter the smart transfer interface.

The fifth step is to enter the transfer amount, the name of the payee and the counterparty bank for inter-bank transfer on the smart transfer interface. After entering the bank, the system will return the corresponding bank name. The user can check by himself. After completion, click "Confirm" to enter the payment interface.

Step 6: Enter the payment password on the payment interface, and then click "Confirm" to submit.

Step 6: After submission, the system will show that it has been successfully accepted, and under normal circumstances, the payment can be received in real time.

That’s it for the introduction of cross-bank credit card repayment via mobile banking.