What are the products for repaying credit cards?

As the concept of spending first and paying later becomes popular, more and more people choose to pay with credit cards, but if they are used too much, it is inevitable that When there is still money to pay, I have collected and sorted out some credit card repayment products for your reference in case of emergencies.

Huanbei

Huanbei is a credit card bill installment app that helps users pay off their credit cards in low-interest installments. Users then repay the money to Huanbei, and Huanbei provides the bank's minimum repayment. 50% off interest, the maximum limit is 30,000, you can freely choose 3/6/12 repayments.

Xiaoying Kadai

The loan amount of Xiaoying Kadai is between 2,000-50,000 yuan, and the loan period is 3-12 periods. The banks that currently support repayment include: China Construction Bank, Bank of China, China Everbright Bank, Industrial Bank, China CITIC Bank, China Merchants Bank, Minsheng Bank, Hua Xia Bank, Ping An Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Bank of Shanghai, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, Bank of Beijing.

Kuaiyihua

Kuaiyihua is a consumer finance credit payment service launched by Kuaiqian Company for individual users. After applying for activation, you can enjoy the convenience of shopping first and paying later. Service, and like a credit card, you can enjoy a one-month interest-free period, or use automatic installment payments.

You can repay the loan

The credit card reimbursement product launched by Ping An Bank has loan amounts ranging from 1,000 to 100,000 and a monthly interest rate of 1.17. Currently, it only supports credit cards from 17 mainstream banks, respectively. Are: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Everbright Bank, China Guangfa Bank, Huaxia Bank, China Minsheng Bank, Ping An Bank, Industrial Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, Postal Savings Bank, Bank of Shanghai , Bank of Beijing.

Kakadai

The main feature of Kakadai is low-rate credit card repayment. Pure online application requires completing identity authentication, credit card binding, mobile phone real-name and credit verification. The more complete the information you provide and the better your credit standing, the more you can apply for a repayment credit card limit of up to 50,000 yuan.

Sina Youhuan

A credit card repayment app developed by Sina iAsk HP. Credit card users can submit application review information through the Sina Youhuan App and WeChat service account, and the maximum loan amount can be 20,000 yuan, interest is charged based on the actual number of borrowing days, and is charged at one thousandth of the daily borrowing amount. The term is one month, and early repayment is possible.

What are the credit card repayment apps?

Credit card repayment apps are an effective way to relieve repayment pressure. The main credit card repayment apps on the market include:

1. Huanbei:

As a credit card bill installment software, Huanbei has relatively low interest rates.

2. Shengbei:

Shengbei is also a popular credit card repayment APP. Its lowest interest rate is about 30% off the bank’s minimum annual repayment interest rate of 18.25. .

3. Kuaiyihua:

Kuaiyihua is a financial product under Kuaiqian, and many people use it to repay credit cards.

What are the platforms for credit card repayment?

51 Credit Card Manager, WeChat, Alipay, Kanniu, etc., these are repayment channels; Xiaoying, Shengbei, Huanbei, etc., these are third-party repayment platforms, think of small loans; Le Maozhifu, Tenglvtong, Softbank, etc. These are smart repayment apps. Credit card repayment that helps repay the loan refers to 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 will be returned to the bank. In-bank repayment

This repayment method mainly 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.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services.

Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment 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.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakara

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchase Lakara device terminals.

Xinfutong

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

Repayment Pass

Use "Repayment Pass" to repay, and the fees are generally charged according to the local inter-bank transfer fees and long-distance inter-bank transfer fees stipulated by the local People's Bank of China. .

Intelligent repayment

The main function of the emerging industry is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute it through a licensed payment company. Automatic recurring consumption repayment achieves full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc. "

Which credit card repayment app is the most formal

The penetration rate of credit cards is already very high. Many people will encounter problems of one kind or another in their daily use. Problems with credit card repayments appear frequently. Many people forget the repayment time, Misremembering the repayment amount leads to forgetting or missing repayments. Today, the editor will take you to take stock of those credit card repayment apps and compare which one is more convenient and easy to use.

What are the credit card repayment apps?

What are the credit card repayment apps? There are actually quite a few credit card repayment APPs on the market today, and the more familiar ones are WeChat, Alipay, UnionPay, etc. Next, let’s look at them one by one.

1) WeChat, WeChat credit card repayment is a commonly used method for credit card repayment, mainly because WeChat can provide bill inquiry functions, repayment date settings, etc. For those who are busy at work and often forget to repay the credit card, It’s more convenient for those who are short on time. However, since WeChat requires a handling fee of 0.1% of the repayment amount for each credit card repayment, the number of people using it has decreased a lot.

2) Jabaobao, this is a credit card WeChat service platform for bill deferred repayment. After binding the credit card, you only need to set the repayment date, the amount to be repaid and the number of repayments. Yes, the handling fee for deferred repayment of a credit card debt bill of 10,000 yuan is 56 yuan. After the deferred repayment of Baobao's bill, the credit card will not incur any fees in the same month. It is fast and convenient, with one-click operation. Many friends like to use this. When cardholders have no funds to repay or have difficulty repaying, they can use deferred repayment. Long-term and stable credit card consumption and repayment can effectively help credit card holders improve their personal credit scores and consumption limits.

This is the end of the introduction to whether there is software to pay back credit cards.