Credit card repayment means that 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.
Repayment within the bank can be made through ICBC. The repayment methods mainly include issuing bank counter, ATM, online banking, automatic transfer and telephone banking. 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.
Extended data:
There are more and more emerging repayment methods, but online transfer repayment provided by banks, card-to-card repayment of third-party POS machines and online bank repayment are the mainstream media. If you have a fixed repayment method and repayment cycle, the monthly credit card repayment will become "easy" and will never take up too much time for users, let alone queue up in the bank.
In addition, when choosing a credit card, you need to ask what repayment methods the bank supports, and try to apply for credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit cards is the most important.
The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.
Baidu encyclopedia-credit card repayment
Baidu encyclopedia-credit card