It may be due to inter-bank transfer, different regulations for repayment accounts of major banks, and the lag in accounting communication between the two banks, which led to the missed repayment date.
It is also possible that the repayment of credit cards by a third-party platform was delayed, and the repayment date finally arrived.
2. What are the expected consequences of credit cards?
Overdue credit cards will generate interest and bad records.
If the amount is relatively small, it will affect the credit record; If the amount is large and a malicious default is formed, the bank will sue.
Moreover, individuals with bad records due to overdue credit cards will be affected when handling financial services such as mortgage and car loan.
Third, the credit card repayment method
1, the issuing bank repays.
This method includes: 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.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. And it will arrive immediately, and there is no time difference.
3. Transfer/remittance repayment
This way 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.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Counter repayment
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.
6. Payment by 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.
7. Repay by repayment
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.
8. Other ways
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.