There are five main channels for credit card repayment.

① Cash repayment

means to deposit cash into a credit card, which can be operated by our bank or self-service cash deposit and withdrawal machines without any charge;

② Debit card transfer repayment of the Bank

means to repay the credit card of the Bank with the debit card (savings card) of the Bank in the form of transfer, with no charge;

③ Debit card transfer repayment from other banks

It means to repay the credit card of our bank with debit cards from other banks, which is conducted by inter-bank transfer with inter-bank charges;

④ Agreed self-service repayment

means to bind a debit card of our bank with the credit card you hold, and deposit money in this debit card. On the due repayment date, the bank will automatically deduct the corresponding amount owed from the debit card, and just fill out an application form for agreed repayment in the bank, without charge; (PS: It should be noted that the balance in the debit card should be enough to pay off the full amount owed by the credit card, otherwise the bank will not deduct the money, which is equivalent to unpaid)

⑤ Online transfer repayment

Generally, online payment platforms such as Alipay and Tenpay are used, and their attached credit card repayment functions can be operated by the bank or across banks, with no fees.

Extended information:

The consequences of overdue repayment of credit cards are serious, so overdraft consumption should be moderate. Although the biggest feature of credit card is its overdraft function, it actually constitutes a loan relationship between customers and banks. Failure to repay the loan at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

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