How to repay if the ICBC credit card limit is exceeded?

1. Cardholders can lift the limit through the ICBC APP. The steps are as follows:

1. Log in In the ICBC APP, you can find ICBC e-payment by typing in the search bar on the page;

2. Click to enter the ICBC e-payment page and find the payment limit;

3. In the payment limit You can adjust the "single payment limit", "daily cumulative payment limit" and monthly cumulative limit on the page. Enter the amount as required and click to confirm.

Operating environment: ICBC mobile APP version 6.7.9

2. Users can also bring their ID cards and bank cards to ICBC to find staff to help lift the limit.

In accordance with the requirements of the "Company Law of the People's Republic of China", the "Securities Law of the People's Republic of China" and other relevant laws and regulations, the Industrial and Commercial Bank of China has established a general meeting of shareholders and a board of directors of the Industrial and Commercial Bank of China. The governance structure composed of , the Board of Supervisors and senior management has formed a working mechanism in which the power agencies, decision-making agencies, supervisory agencies and senior management each perform their respective duties, coordinate with each other, and have effective checks and balances.

The Board of Directors has five special committees including Strategy Committee, Audit Committee, Nomination and Remuneration Committee, Risk Management Committee, and Related Transaction Control Committee; the Board of Supervisors has a Supervision Committee.

In order to further improve the corporate governance structure, we have formulated the authorization plan for the Board of Directors by the shareholders’ meeting and the authorization plan for the President by the Board of Directors, adjusted the responsibilities and member structure of the special committees under the Board of Directors, implemented the chief risk officer system, and by-elected As an employee supervisor, we have formulated a stock appreciation rights plan to establish and improve the company's incentive mechanism, actively explore ways to strengthen communication and strategic cooperation with domestic and foreign investors, and continuously improve the level of corporate governance.

ICBC has always regarded corporate governance as a basic project to enhance core competitiveness. Focusing on the business goals of sustainable growth of corporate value and excellent shareholder returns, ICBC actively draws on international leading practices and principles of corporate governance to build and improve A modern corporate governance structure composed of the General Assembly, the Board of Directors, the Board of Supervisors and senior management has revised and improved the "Articles of Association of Industrial and Commercial Bank of China Limited" and other corporate governance rules and regulations, continuously improved the independence and operational efficiency of the Board of Directors, and formed a power agency and decision-making body. , an organizational structure and operating mechanism with clear powers and responsibilities between supervisory agencies and executive agencies, each performing its duties, mutual coordination, and effective checks and balances. As of the end of the reporting period, the Bank’s Board of Directors had 15 directors, including 3 executive directors, 6 non-executive directors and 6 independent directors. The Board of Supervisors has 6 supervisors, including 2 shareholder representative supervisors, 2 external supervisors and 2 employee supervisors.

The bank has initially established a multi-dimensional and multi-level social responsibility planning management and implementation supervision system. Under the direct leadership of the Board of Directors, the Strategic Management and Investor Relations Department of the Head Office coordinates and promotes social responsibility work and uniformly prepares social responsibility reports. Relevant departments and offices of the Head Office and branches organize and implement separately to jointly promote the performance and implementation of social responsibilities.

How to repay with a credit card

(1) Go to the bank counter to make repayment. After receiving the credit card bill, the cardholder brings cash to the counter of the card-issuing bank to make repayment. Cardholders only need to inform the staff that they want to handle credit card repayment.

(2) Repay through ATM machine. The cardholder can complete the repayment operation by finding the ATM machine of the card-issuing bank, and depositing cash into the credit card account to complete the repayment.

(3) Repay through online banking. The cardholder logs into online banking and transfers the repayment amount from the debit card to the credit card account. If the cardholder makes a peer-to-peer transfer, he does not need to pay the transfer fee; if the cardholder makes an inter-bank transfer, he needs to pay the corresponding fee to the bank.

(3) Repay through mobile banking APP. The cardholder opens and logs in to the card-issuing bank's mobile APP, enters the credit card repayment interface, and follows the prompts on the interface to complete the credit card repayment.

(4) Automatic repayment. Cardholders can activate the automatic repayment service at the bank, bind the savings card and credit card, and set the automatic repayment date (must be before the final repayment date of the credit card). As long as the cardholder's savings card has sufficient funds, the bank will automatically debit the savings card to repay the credit card bill.

(5) Repay through payment software. Whether it is Alipay or WeChat, as long as the cardholder binds his or her credit card to the payment software, he or she can make credit card repayments through the payment software.

It should be noted that the payment software has a free limit limit. If the repayment amount exceeds the free limit, the cardholder will need to pay the corresponding handling fee based on the excess amount.

How to repay a credit card?

1. Link the deposit account of the same industry for automatic repayment. After linking the repayment account, you can activate automatic repayment, so that the bank will After expiration, the amount will be automatically deducted from the debit card bound to the user;

2. Online banking or mobile banking repayment. Transfers and remittances from online banking or mobile banking can be used to repay with credit cards. To repay, enter the bank card and login password of the repayment credit card on the transfer web page, and you can repay;

3. Repay through a third party. Websites such as UnionPay QuickPass also support credit card repayment. You can use this app to repay credit card loans.

The above is related to how to repay credit cards.

How long does it take for credit card repayments to be credited

The time for credit card repayments to be credited is generally one to two days. The specific repayment credit time, the response speed of different banks is also different, mainly depends on the repayment method adopted by the user. For example, Industrial and Commercial Bank of China will receive money on the same day, transportation will be paid on the next day, and China Merchants Bank will be paid on the same day. Therefore, if users do not want to overdue their credit card repayments, they can only deposit money into the credit card two days in advance. After paying off the credit card, the user can make overdraft purchases within the available limit. This article mainly writes about knowledge points about how to repay credit cards, and the content is for reference only.

How to pay off a credit card?

Credit cards can be repaid in-person at the card-issuing bank, via WeBank POS mobile phone, by transfer/remittance, or online.

1. Within the card issuing bank

This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong POS mobile phone

Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. . Instant payment!

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Notes:

1. The target customers of bank credit cards are high-end income groups. From the above characteristics, we can also see that the characteristics of credit cards are more about convenience than saving money. Not only do you have to pay an annual fee to use a credit card, but if you miss the repayment time, the penalty interest is very high.

2. People without financial income, such as students, should not apply for a credit card easily. Even if they do not use a credit card, they still have to bear the annual fee and other items. People who hold credit cards should give up using their credit cards and go through the card refund procedures in a timely manner. Otherwise, various credit card fees and subsequent interest, late payment fees, etc. will lead to personal economic losses and reduced credit, affecting mortgages, car loans, etc.

How to repay the temporary limit of a credit card?

The temporary limit of a credit card needs to be paid off in full before the credit card repayment date. It cannot be repaid in installments. Overdue payment will not affect the personal credit report, thereby causing the user to Services such as bank loans cannot be used. There are many ways to repay the temporary limit of credit cards. Users can repay through bank counters, online banking, ATMs, Alipay, WeChat payment and other channels.

In terms of temporary quota application, different banks also have different requirements. For example, the application for a temporary quota for CCB credit card needs to be separated by one month from the last application. The temporary quota has an validity period. After the validity period, it will automatically return to the original quota. , the temporary quota of China Construction Bank is valid for 3 months.

To apply for a temporary limit for ICBC credit card, the user needs to have opened the card for more than half a year, the monthly credit limit is close to the total credit limit, and there is no overdue repayment. The temporary limit increase for ICBC credit card is valid for up to 60 days. After the validity period, it will be automatically reduced to the original limit.

CITIC Bank credit card users can apply for a temporary limit increase 3 months after opening the card. Users can apply through CITIC Bank’s customer service phone number. The bank will allocate credit based on the applicant’s credit situation and repayment ability. Quota. The temporary limit increase for Bank of Communications credit card is valid for 2 to 3 months. The temporary limit cannot be used repeatedly and will automatically return to the original limit after expiration. The amount of the temporary limit depends on the judgment of the Bank of Communications system.

The temporary limit of Guangfa Bank’s credit card is valid for 25 days to 90 days. The limit that users can increase is 10% to 50% of the original limit. The final limit needs to be determined by the bank based on the applicant’s credit status and repayment. Judgment based on financial ability.

The temporary limit of Industrial Bank credit card is valid for 1 to 3 months. The application for temporary limit requires the user to hold the credit card for more than 6 months. The next temporary limit can only be made after 3 months of applying for temporary limit increase. amount application.

The increase in the temporary credit limit of Agricultural Bank of China credit card requires that the cardholder has no bad credit record, has a consumption record every month, and the consumption amount is more than 30% of the total credit limit. Agricultural Bank of China credit cards are valid for 25 to 90 days.

: Things to note when using credit cards:

1. Use installment payments with caution

A very expensive thing requires you to spend so much money at once It will definitely feel painful to pay, but when they tell you "Dear, we can pay in installments!" you will definitely be very happy to take it home. Because when a broken plan is put into your daily expenses, you won't feel so painful and you will feel like you are getting a good deal. In fact, apart from the fact that your amount of money may only be slightly more than if you paid it in full and there are handling fees, many people will think that this is nothing and it is affordable. But when you start to repay this part of the money in installments, your heart will change over time. The first few repayments will still make you feel very painful, and you will feel a little unaccustomed to using money. It always feels like a part of it has been set aside. In the following days, you begin to forget about this amount and feel that it is okay without it. It is difficult for this money to stay in your wallet for a long time. After you repay this part of the money, you will still continue to try to find a way to spend this part of the money, "Looks like I can buy something else, this The installment amount is what I can afford." OK, the merchant’s purpose has been achieved.

2. Repay in full

When you reach the repayment period, you will feel that you can just repay part of it. Anyway, your credit will not be deducted, just a little bit. Just interest. Oh my dear, I believe they are also happy for you to continue like this. After a year, you will feel that half of your salary has been contributed to the bank.

3. Develop a good habit of keeping accounts

Many people use credit cards for consumption, but they always feel that they still have a lot of money in their hands and have not spent it, so they spend it and buy You will feel as if you have double money for your things. Just use the card first and pay it back next month anyway. And with so much money in hand, you can still buy something else. In order to prevent you from spending more than you should, you need to have a clear financial management system to help you see where your money is going.

4 Don’t use multiple cards to support each other

Do you think you are really smart? You can use different repayment dates to take advantage of the loopholes, and use other banks' overdrafts to repay your bank's loopholes. Children, you have to know that this kind of thing is just a matter of doing it once in a while. If you use this as a way to try to maintain a card, the circulation of information will quickly make it impossible for you to borrow money from other bank cards, making it difficult for you to repay your own loopholes, and then you will look for ways to borrow money everywhere. And borrowing money will eventually lead to a desperate situation where money is strangling the neck.

5. Keep the application form

Keep the receipt of your successful credit card application, and then leave the number on the back of your credit card. Then set up the credit card so that you don’t need to enter a password when swiping the card, only a signature is required. When your card is lost, you are solely responsible if your password is swiped when you swipe the card. However, if you do not need to enter a password but only sign, the bank is fully responsible. Of course, the best thing is to protect your card.

This ends the introduction on how to repay the credit card limit at the bank and how to repay the credit card limit at the bank. I wonder if you found the information you need?