For credit card repayment, you deposit the money into the card and wait for the bank to confirm the payment.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

1. 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.

2. Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. Instant payment!

3. 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.

4. 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.

5. 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.

6. Counter pass

Counter pass refers to the bank cards issued by various networked financial institutions, which can be used to make RMB transactions through the counters of other bank branches registered in the UnionPay exchange center host system. Current deposit and withdrawal transactions.

7. Lakala

Card holders can complete credit card repayments, mobile phone recharges, online bill payments, etc. through convenience stores, bank outlets or purchase "Lakala" device terminals business.

8. Xinfutong

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

9. Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

10. Intelligent repayment

In this new industry, its main function is to use the balance of about 5% in the card to automatically cycle consumption and repayment to achieve full repayment, and charge a certain amount Handling fee, basic functions include bill management, local payment, free card application, etc.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 33: All transactions under the People's Republic of China and the State Units that open basic deposit accounts at domestic financial institutions can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36: Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or transfer the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the card with a new one;

(2) After 45 days of reporting the loss of the credit card, the person does not have an additional card and does not replace the card with a new one;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 38: The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.

When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 40: If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.

Baidu Encyclopedia-Credit Card Repayment