With my ID card and card, I can go to the counter of the bank where my credit card belongs to handle the prepayment.

You can also deposit your money in a credit card and call the customer service phone on the back of the credit card to apply for prepayment. The customer service will operate prepayment to end the installment. Under normal circumstances, the repayment order of credit card is to pay the bill first, and then not to pay the bill. The rest of the money becomes "overpayment", and credit card consumption will default to paying the overpayment first.

The installment payment of China Merchants Bank's credit card is divided into the following categories:

1. Shopping center installment payment

When cardholders go to shopping places, such as "shopping malls", they can shop by stages. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

2. mail order installment payment

The cardholder receives the installment mail order catalog manual sent by the issuing bank and chooses from the limited goods. Then, order through online installment mall, telephone or fax mail order installment application form, etc. And mail order installment is generally free regardless of the number of installments.

3. Bill installment payment

After spending by credit card, you can apply to the issuing bank by phone or other means before sending the monthly bill. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments.

Advantages of China Merchants Bank Credit Card:

1. Credit card points play a great role.

Compared with credit card points of other banks, credit card points of China Merchants Bank can realize many functions, exchange more products and cash out.

There are many branches in China.

China Merchants Bank has many online stores. Compared with other joint-stock banks, China Merchants Bank has many online stores, especially in large, medium and small cities. Very convenient.

3. There are many offline activities

Compared with other banks, China Merchants Bank's credit card has much more offline activities, and the high shopping points can also be discounted, which not only meets the needs of customers but also saves customers a sum of money.

4. Credit card application is very convenient.

It is very convenient for China Merchants Bank to handle credit cards, not only in online shopping malls, but also on mobile phones, telephones, WeChat, websites and at the door of salesmen.

5. Complete card type

There are many types of credit cards in China Merchants Bank, and there are different types of cards for different customers, which can bring the greatest convenience to customers.

6. installment payment is very convenient

At present, many online and offline shopping malls support the installment payment of China Merchants Bank, which not only has low handling fees, but also has low interest.

7. Value-added group buying activities

Customers with CMB credit cards can often enjoy the group buying activities of CMB credit card customers. The products are very rich and the prices are absolutely favorable.

What should I do if I want to prepay by credit card?

If you want to prepay your credit card in installments, the specific steps are as follows:

First, the credit card holder calls the customer service of the issuing bank to apply for prepayment, and the prepayment can only be made after the issuing bank agrees.

Second, after the bank agrees to prepay, it will calculate the final amount you want to repay, and then include it in the minimum repayment amount of the next bill. If the minimum repayment amount is sufficient, the installment can be terminated early.

If the bank does not agree, it is invalid to repay in advance. If the repayment amount exceeds the current period, it becomes overpayment. Not only can you not deduct the arrears, but you also have to charge a handling fee for taking out the money.

Credit card repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

First, mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Second, the convenience store repayment

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Third, online repayment.

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Fourth, inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Verb (abbreviation for verb) counter access

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

Sixth, Lacarra.

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

Seven. Xinfutong

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Eight. Repayment pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Nine, intelligent repayment

The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.

How to repay in advance by credit card installment

First of all, when you want to refund the interest on your credit card, you need to know whether your situation meets the requirements. For example, due to a breach of contract due to force majeure, the unpaid overdraft amount is charged with compound interest and related service management fees, and the interest can be demanded to be returned.

Call the credit card center first and apply for a refund of the credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back.

To sum up, the liquidated damages caused by the bank's inaction or bank's fault, including those caused by special circumstances, can also be appealed. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.

1. Can credit cards be repaid in advance by installments?

Installment repayment cannot be revoked. Users can choose to prepay, but they must first apply to the customer service of the issuing bank. After the operation there is completed, the amount that the user needs to repay will be all calculated and directly included in the next bill, which will be paid off by the cardholder.

If you just want to pay back a certain issue in advance, you can go directly to the mobile banking, click on the credit card to pay back, and choose the one that is paid back in advance, and it will be fine directly. If a large amount of prepayment is required, the arrears must be settled in one lump sum.

You can't pay in full before the customer service calculates your outstanding amount. This is the rule of banks, which is basically what banks do. The benefits of early repayment are not many, at most, it is to survive prematurely and release the amount occupied by the arrears by the way.

2. Does prepayment by credit card affect credit reporting?

As we all know, installment repayment itself is not a credit report. This is just a normal repayment method, and it is not linked to credit reporting. Unless you are overdue in installments, the information will be transmitted to the Credit Information Center of the People's Bank of China.

When you pay off your debts in advance, it will not affect your credit information. After all, it is an inherent service of banks. However, although you let the bank collect the arrears in advance, it seems to be a beautiful thing, but it is actually a breach of contract.

Although this behavior does not belong to the credit report, it may be subject to liquidated damages. And everyone repays in advance in installments, mostly to save fees. Unfortunately, it is impossible to pay off the debts in advance. It doesn't save money, but it may cost more. What's going on here?

Can credit cards be repaid in advance by installments?

3. Is there a handling fee for prepayment by credit card installment?

Some banks will charge a penalty of about 3% of the principal for users' prepayment. This principal refers to the undistributed principal amount. If there is still 1 0,000, 300 yuan handling fee will be paid this time.

Besides, we should pay attention to the following two points:

1. Handling fee received

No matter whether it is a bank that collects the installment fee at one time or you pay it back at one time, no matter how much installment fee you give to the bank, it will not be refunded to you. Even if you regret it in stages the next day, you can't get it back when you go to the bank to get the handling fee back.

2. Repayment expenses

For the case that you repay the principal together with the first installment, if you paid the 330 yuan service fee at 50,000 cents 12 installment every month, and now there is 10 installment left, you must pay back the remaining 3,300 yuan.

In short, it is the rogue routine of the bank. No matter how many installments you pay, every penny is indispensable for the money that should be paid in normal installments. Those that have been paid will not be refunded. It is very important to divide the appropriate number of periods, and a large amount of handling fees will be wasted if you are not careful.

How to repay in advance by credit card installment?

After the credit card is successfully divided into stages, it cannot be modified, and only prepayment can be selected. It should be noted that if the installment is settled in advance, it is generally necessary to repay the remaining unpaid principal and the remaining installment fee in one lump sum. The installment fee cannot be reduced, and the installment fee paid in the past is not refundable. Even some banks will charge a certain penalty for canceling the credit card installment business (specifically, according to the regulations of the issuing bank, you can call customer service).

How to repay in advance by credit card installment?

If the credit card needs to be repaid in advance by installments, the customer can call the hotline of the issuing bank, apply to the customer service staff through the manual service channel, and then refund the card, and the banking system will naturally initiate the deduction.

Of course, customers can also find the installment bill directly on the online banking/mobile banking client/credit card APP of the issuing bank, and then apply online to terminate the installment in advance.

If there is an offline business outlet of the issuing bank near your place of work and life, then the customer can bring his personal ID card and credit card to the outlet to find the counter staff to handle the prepayment procedures.

Is there a penalty for prepayment by credit card installment?

Whether the prepayment of credit card by installment will charge liquidated damages mainly depends on the regulations of the issuing bank. Different banks may have different rules.

For example, in China Construction Bank, if the customer applies to terminate or cancel the bill/consumption/cash installment in advance, the remaining unpaid principal will be included in the next bill in one lump sum, and the customer can repay the remaining principal and installment fee before the bill is due for repayment (the installment fee received will not be refunded). Another example is China Industrial and Commercial Bank. If the installment transaction with installment fee is repaid in advance, it is necessary to pay liquidated damages.

Will the available balance of prepayment after credit card installment increase?

After credit card installment payment, the available balance of prepayment will increase. Users can choose to return the current installment amount in advance, or they can choose to pay off all the remaining installment amounts at one time. After the repayment is received, the credit card available amount will be restored in real time, so that the user's credit card available balance can be improved.

If the credit card installment fee is charged at one time, the user will not refund the prepayment fee, so it is not necessarily cost-effective for the user to prepay.

How to repay in advance by credit card installment

The prepayment of Ping An Bank's credit card by installment can be operated through the "Ping An Pocket Bank" mobile phone client, specifically:

1. Download the "Ping An Bank Pocket Bank" mobile client.

2. Click "More" in "Credit Card".

3. After entering, click "Advance settlement by installment" in "Loan by installment".

In addition, users can also apply through Ping An Bank's credit card customer service hotline 955 1 1 ext. 2 or go to the counter of Ping An Bank's business outlets. It should be noted that users still need to pay the corresponding handling fee when they prepay their credit cards in installments.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

Credit card loans can generally be paid off in advance, depending on bank regulations. Because credit card loans sometimes charge a one-time fee, prepayment does not save money. At the same time, according to the contract, sometimes it is necessary to pay liquidated damages for early repayment. Before applying for a credit card loan, users should ask whether they can repay in advance, whether they need to pay liquidated damages in advance and whether they can save interest in advance.

If credit card loans support prepayment, users can make prepayment through mobile banking, online banking or bank counters.

How to prepay credit cards?

If you need to call the credit card customer service to handle the installment, if you don't handle the installment, you can directly transfer the money to the credit card. Details are as follows:

1, prepayment by credit card installment. It can be paid off in one lump sum in advance, but the cardholder needs to call the customer service of the credit card center in advance to help with the installment procedures. When repaying, in addition to the installment amount, you also need to pay the installment fee.

2. The credit card has not been repaid in advance by installments. You can transfer money directly to bank outlets, WeChat, Alipay, etc. In order to repay.

I. Definition:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Second, the classification:

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Third, other information:

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Clauses in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Ping An Bank's introduction on credit card prepayment and credit card prepayment ends here. I wonder if you have found the information you need?