How to repay by swiping a credit card? The repayment method is coming

The method of using a credit card to consume first and repay later has made our lives more convenient, but credit card consumption does not mean that We just need to focus on spending money. It is very important to repay the loan on time. So, how to repay the credit card? Next, I will introduce to you a repayment method.

1. In-issuance repayment

There are many ways to choose from for repayment at the card-issuing bank. You can repay through the counter of the card-issuing bank, ATM, online banking, telephone banking, etc. And after repayment, the credit card limit will be restored immediately without any additional fees.

2. Inter-bank transfer

If you no longer want to repay the card from the card-issuing bank, you can also choose inter-bank transfer. There are two types of inter-bank transfer in the same city and inter-bank transfer in different places. But no matter which method is used, certain fees will inevitably be charged. At the same time, because it involves cross-bank, not only is the repayment not very convenient, but the repayment cannot be received immediately after repayment.

3. Convenience store repayment

In convenience stores or supermarkets, there are usually smart payment terminals such as "Lakala", which can complete credit card repayments, mobile phone recharges, and online bills. Payment and other services. There is no handling fee for repayment using Lakala, but it takes two to three working days to arrive in your account, so you need to repay in advance.

4. Repayment through counter payment

"Counter payment" actually refers to bank cards issued by various networked financial institutions. China Merchants Bank, Guangfa Bank, Industrial Bank, Minsheng Bank and other banks support over-the-counter service. Any bank within the counter system can perform credit card repayment without having to go to the card-issuing bank for repayment, and it will be credited immediately, but a certain fee will be charged.

5. Repayment through third-party platforms

Online repayment is very convenient and fast. You can also repay directly using third-party platforms such as Alipay and WeChat. Enter your credit card, name and other personal information, and you can use the bound debit card to repay directly. There is no handling fee for Alipay repayment, but it should be noted that the arrival time of each bank is different, and not all banks can receive the payment immediately.

How to repay credit card repayments

There are various repayment methods for credit cards. The following are several common repayment methods:

1. Bundled savings Card repayment is the most convenient. When applying for a credit card, it is bound to the bank's savings card. The bank will automatically deduct the amount when the payment is made. There is no need to go to the bank to transfer funds manually, which is convenient.

2. Transfer money via online banking first, which is safe. Open the card-issuing bank's online banking, log in to the online banking, enter the password, and you can complete the repayment without any handling fees.

3. Third-party repayment is convenient. Alipay wallet currently supports credit card repayments from more than 30 banks, and you can set a "repayment reminder date".

4. Lakala repayment. There are relatively few credit card outlets, but there is a handling fee for repayment, which is 2 yuan/transaction. Three repayment methods for credit cards

1. Full repayment: After the bill comes out, pay it off in one go. This is the best repayment method, but the funds required are also quite large. If the bill amount is 100,000, then 100,000 funds are needed to pay it back. There are actually two repayment modes for full repayment, one is the one-time repayment mentioned above, and the other is

multiple cumulative full repayments. The bank does not force a one-time repayment. We can repay it in multiple installments, as long as we repay the total amount of the bill before the final repayment date. For example, if the current bill is 10,000 yuan, we can repay 1,000 yuan at a time and 10 yuan. times, that’s enough for 10,000 yuan.

2. Installment repayment: After the bill is issued on the bill day, the current bill will be repaid in installments. Generally, it can be divided into 3/6/9/12/18/24 installments. This method Relatively speaking, the repayment pressure is relatively small, but you will have to bear a certain installment fee.

There is also a minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it issues a bill. This method is also the least cost-effective repayment method. , if the bill amount is large, high interest charges will be paid. The minimum repayment means spending more money to ensure your credit score, but it will only cost you a little more interest.

Small expansion: Billing date and repayment date

Billing day: The billing day is the day when the bank settles the bill. The bank's billing day is determined based on the application time. The billing day is on This billing date has already been set when approving the credit card. You can call the bank to modify the billing date after the card is activated.

Last repayment date: Normally, the last repayment date is 20 days after the statement date, but some banks have prescribed final repayment dates. They are all around 20 days, so there won’t be much difference.

10% fund repayment method:

1. When the bill comes out, it can be operated from the 3rd. The total bill amount is 10,000 yuan, so there are 1,000 You can repay it in just one block.

Repay 1,000 yuan on the morning of the 2nd and 3rd to restore the 1,000 yuan limit. After three hours, 400 will be credited, and after another three hours, 600 will be credited. At the same time, the 1,000 yuan will be paid back. . (2,000 yuan has been repaid in one day) 3. Use this method to swipe the card every day, and the repayment will be completed when the cumulative repayment is 10,000 yuan.

Attention! ! !

1. The repayment amount, card swiping amount, and card swiping interval of the above methods are just examples. The actual situation depends on individual circumstances and is not suitable for complete imitation. (Of course, the more reserved credit, the better)

2. Note that the above credit card amount is only an integer for easy calculation. Do not use an integer when actually swiping the card.

3. Please manage your credit card effectively and avoid overdue payment.

How to repay with credit card

Credit card repayment method:

1. Repay over the counter. Take the repayment funds to the bank counter for repayment.

2. Repay at self-service deposit and withdrawal machines. You can repay the money by depositing the funds into the repayment account.

3. The repayment account will be automatically deducted for repayment.

1. Things to note when using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you raise your credit limit

Generally, the annual fee can be waived if you swipe your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.

5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.

2. Reasons for rejection of credit card application:

1. Unclear personal credit report

It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.

2. The basic conditions are not up to standard

You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.

3. There are problems with the application materials

On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!

4. The overall credit score is low and average

Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.

How to repay CCB credit card?

Customers can handle CCB credit card repayment in the following ways: 1. Log in to mobile banking, go through the "Credit Card - Card Services - My Accounts - Repay for Me" menu, and follow the prompts. The repayment amount supports the selection of "repayment required in this period", "minimum repayment required" or "enter repayment amount". Warm reminder: If you need to handle foreign exchange purchase and repayment, please do so before 22:00 every day. 2. Follow and enter the "China Construction Bank" WeChat official account. After binding the credit card, enter "repayment" in the official account conversation mode to obtain the link, and follow the prompts to process.

(In case of business changes, please refer to the actual situation.)

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