How to repay a credit card via mobile phone

Download the client - after installation, select "Card Service" - click "Bill Repayment" - check the amount due on the bill and repay it

All smartphone users can log in to m.cmbchina.com to download the China Merchants Bank "Mobile Banking" client and handle reconciliation and repayment. The specific steps are as follows:

Download the Mobile Banking Client Client and install - click "Mobile Banking", select "Credit Card" customer login - "Account Management - Account Inquiry - Inquiry and Repayment"

Note: JAVA version and WAP version of mobile banking are not available for the time being. Support this function

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How to repay a credit card on a mobile phone?

1. On the mobile phone’s standby desktop, find the “Alipay” application and click to open it.

2. After opening the Alipay software, find the "Credit Card Repayment" option in the application interface and click to select.

3. After that, find the credit card that needs to be repaid in the jumped credit card repayment interface, and click to select.

4. Finally, enter the amount to be repaid and click "Confirm Repayment" below.

How to pay back credit card money on mobile phone

If users have third-party payment software, such as Alipay, WeChat, JD Finance, etc., then these third-party software can be bound using The balance in the bank card or account is used to return the credit card.

Or the user has downloaded mobile banking, and the mobile banking transfer is to repay the credit card. Among them, mobile banking does not charge fees for credit card transfers.

Third-party payment software may need to charge a certain fee for repaying credit cards. If users want to repay credit cards for free, they can choose mobile bank cards to repay.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and meet social needs.

How to repay a credit card using Bank of China’s mobile banking?

You can use Bank of China’s mobile banking to repay a Bank of China credit card:

1. Open the Bank of China APP, log in.

2. After logging in, there is more at the top of the homepage, and you can enter more.

3. After entering more, slide down to the credit card column and enter credit card repayment.

4. I don’t have a Bank of China credit card, so the next operation is not available. If there is, I can repay the Bank of China credit card directly here.

That’s it for the introduction of how to pay off a credit card using a mobile phone.