There is a handling fee for wechat to return credit cards. The handling fee is 0. 1% of the repayment amount (minimum 0. 1 yuan).
Wechat now has no free repayment quota and has become a platinum or gold member of Licaitong. By making an appointment for repayment through Licaitong, credit card repayment is free.
Extended data:
1. How can I return the credit card on WeChat?
Users only need to bind their own credit cards, and they can repay credit card loans through WeChat, which is very convenient. The following is the operation process:
Users log on to WeChat, click I- Pay-Credit Card Repayment, and then select the credit card that needs to be repaid from my credit card. Click on the credit card, enter the repayment amount, and click on Repayment Now. Under normal circumstances, it will arrive on the same day. Users who have not added a credit card need to add a credit card before making repayment.
Note that there is a handling fee for WeChat to pay back the credit card, and users do not need to pay the handling fee when using mobile banking to pay back the credit card.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
Second, the consequences of overdue credit cards
1. There is an interest-free period after the credit card is overdue, which is about 20 to 50 days. There is no interest during this period, but if it is not paid back after this period, there will be interest. Besides the principal, you have to pay interest.
2. If it is overdue, it may affect your personal credit information, and your information will be uploaded to the central bank's credit information system, thus becoming a faithless person, which will have a great impact on your taking the high-speed train and buying a house and car in the future.
3. If the overdue period is serious, it will be characterized as malicious overdraft of the credit card, and you will have to bear criminal responsibility and be sentenced, which will bring great troubles to your life.
Third, the repayment method of credit card
1. Intra-bank repayment: repayment methods mainly include: counter of issuing bank, 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.
2. 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!
3. Convenience store: The repayment of convenience stores is mainly completed through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
4. Online repayment: The common online repayment methods in China are: Baidu wallet, UnionPay online, quick money, Shengfutong, Alipay and Yifubao. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. 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.
How to calculate the repayment fee of WeChat credit card?
1 .201August 81day, wechat will charge 0. 1% of the repayment amount for each wechat credit card repayment (the handling fee shall be calculated to two decimal places, with the minimum being 0. 10 yuan). For example, you use WeChat credit card to repay 1000 yuan.
2. The handling fee shall be paid together with the repayment amount when the user carries out the repayment operation;
Why is there a charge for WeChat credit card repayment?
Every repayment made by users through WeChat credit card will generate a payment channel fee, so the WeChat credit card repayment business has been investing in cost subsidies.
In recent years, with the rapid development of WeChat credit card repayment business, the channel handling fee cost is also increasing rapidly. Therefore, in order to properly balance the cost and sustainable development, the business carries out cost adjustment.