However, recently, some banks lowered the upper limit of automatic repayment of credit cards across banks. Moreover, if the inter-bank automatic repayment does not pay in full, most banks can't remind cardholders in real time. Therefore, it is suggested that cardholders check the amount in the savings card from time to time to confirm whether the inter-bank repayment limit has changed, so as to avoid the interest generated by the failure to repay in full and on time and affect personal credit records.
Some banks reduce the inter-bank repayment limit of credit cards.
A few days ago, the reporter saw a notice in official website-Minsheng Bank Credit Card Center, saying that after receiving the urgent notice from China Postal Savings Bank, the single limit of inter-bank related repayment transaction was adjusted from 50,000 yuan to 6,543.8+0,000 yuan, that is, the savings card of Postal Savings Bank repaid the credit card of Minsheng Bank, and the single limit was adjusted from 50,000 yuan to 6,543.8+0,000 yuan. If the cardholder repays more than 654.38 million yuan, he can choose the counter of Minsheng Bank, mobile banking, online banking and third-party repayment channels.
In addition, official website, the Credit Card Center of China Everbright Bank, also announced that debit cards of other banks will be automatically repaid to the bank's credit cards, and the amount will be adjusted. It is understood that the single repayment limit of Agricultural Bank of China and Bank of China is 50,000 yuan, and the single-day cumulative repayment limit is 6,543,800 yuan; The single repayment limit of Industrial Bank is 50,000 yuan; The single repayment limit of the Postal Savings Bank is 6,543,800 yuan. On the due repayment date, Everbright Bank will only make an automatic deduction once, and will not make supplementary deduction. In order to ensure the timely and successful repayment, please ensure that the single voluntary repayment amount or the remaining repayment amount of the current bill is less than the transfer-out limit of the debit card issuer, otherwise the repayment will fail.
Inter-bank automatic repayment of credit cards refers to the automatic repayment of credit cards held by other banks. At present, the banks that have started this business include China Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, Minsheng Bank and China CITIC Bank. According to reports, the increase or decrease of the credit card interbank automatic repayment limit is determined by the bound debit card issuer. "For example, if you use Everbright Credit Card and use other banks' savings cards for automatic repayment, the amount will be decided by other banks. "According to the relevant staff of Quanzhou Branch of China Everbright Bank, it is more accurate for cardholders to consult the corresponding debit card issuing bank for the specific repayment limit.
Inter-bank automatic repayment failed, and some banks did not remind them.
The relevant staff of the bank said that at present, the credit card of China Everbright Bank can be bound with the savings cards of the bank and other banks to complete automatic repayment. If the bank's savings card is bound, the system will automatically deduct the money on the due repayment date. If the amount of the savings card is not enough to repay the credit card, "how much will be deducted, and the insufficient amount will be reflected in the deduction SMS". However, if the savings card of another bank is bound and the balance in the card is insufficient, the deduction will fail.
Xiao Huang, a staff member of the credit card center of another joint-stock bank, said that if the credit card is bound to the bank's savings card and the amount in the card is not enough to repay the credit card, the bank will send a text message to remind the cardholder, but if the inter-bank automatic repayment fails, the bank cannot notify the cardholder in time. For example, the repayment amount of the credit card bill is 6.5438+0.2 million yuan. If the credit card limit of other banks automatically repays 6.5438+0.00 million yuan, or the amount in the savings card is only 6.5438+0.00 million yuan, then the deduction will fail, and the credit card issuer will generally inform the cardholder that the credit card has not been repaid in a few days. Therefore, for cardholders with automatic repayment, it is recommended to check whether the interbank repayment limit of savings card has changed, and at the same time, check whether the amount in the savings card is enough to repay the credit card.
Some bankers also suggested that most banks only support RMB automatic transfer repayment, and do not support signing foreign currency automatic transfer repayment business. Therefore, if you consume foreign currency, you should consult the issuing bank on how to repay it. In addition, the relevant staff of Ping An Bank Credit Card Center reminded that unlike the credit card and debit card related repayments of the same bank, inter-bank repayments cannot be received immediately. In order to avoid some troubles, it is best to bind the repayment 2 to 3 days in advance, so as to ensure that there will be no penalty interest or even bad credit record due to overdue.