There are several ways to repay credit cards and how to operate them

There are four ways to repay credit cards. The detailed steps are as follows:

1. Bundled debit card repayment

The bundled savings card means that when you apply for a credit card, it is bound to the bank's savings card. Most cardholders use it as a salary card. Then the last repayment date of the credit card is after the salary punch-in date, then the bank will automatically deduct the amount when the repayment comes. There is no need to remember the time. You only need to ensure that there is enough money in the debit card, and it also saves the money. Most of the time.

2. Online transfer through online banking

When using a credit card, you can open the online banking of the card-issuing bank, so you don’t have to worry about not being able to find the bank and not being able to pay. Just turn on your computer and log in to online banking, enter your password, and complete the repayment easily with a few clicks of the mouse, without paying any handling fees.

3. Third-party repayment

Most customers who choose third-party payment are inconvenient to repay their credit cards and do not want to go to banks from home to home, so they can download a repayment app for their mobile phones. With the payment software, you can complete the repayment business for free with just a swipe of your mobile phone. At present, there are Alipay wallets, as well as mobile life such as China Merchants Bank, or WeChat, now launched on mobile phones, which can also repay credit cards online.

4. Lakala Repayment

Customers who choose Lakala must be in a small number of banks and cannot find any bank branch option. For example, Citibank. There are only two banks in Beijing, and this is where Lakala comes in handy.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank.

Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank 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.

Credit card online repayment is one of the main repayment methods for credit card repayments at the bank where the account is opened. Online repayment has become a common repayment method for the majority of credit card users.

1. For the payee account name, fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

How to repay a credit card

The credit card repayment method is as follows:

1. Repayment at the bank counter: Go to the counter of the issuing bank of the credit card to make repayment and inform Bank tellers can make repayments by credit card, but you need to prepare cash;

2. ATM repayment: go to the ATM machine of the credit card issuing bank to perform savings operations, and you need to prepare sufficient cash;

3. Online bank repayment: Find a savings card with a sufficient balance and online banking, and transfer the money to the credit card account with the same bank or across banks for repayment. A small service fee will be deducted for the inter-bank transfer operation;

4. Associated savings card repayment: Generally, when applying for a credit card, bank staff will ask if they can apply for a savings card from the same company, associate the savings card with the credit card, and set the deduction date. As long as the savings card has sufficient assets, the bank will automatically start from Transfer money from your debit card to pay off your credit card, so you don't have to worry about overdue credit card repayments.

Notes on credit card installment payments:

1. Before taking an installment loan, you must read the contract clearly, especially the interest and default clauses;

2. Pay attention to the contract Some of the services here are optional and you can choose according to your own situation;

3. The installment fee is often directly related to the number of phases, so you should choose the most appropriate number of phases according to your own situation;

4. Remember the monthly repayment date clearly to avoid liquidated damages or bad credit records due to overdue repayment;

5. See clearly the conditions for early repayment and understand the fees and charges in advance. calculate.

How to pay off a credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

This is the introduction of how to repay credit card debts.