You can apply for credit card repayment through the following channels:

1. Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Repayment" on the homepage to repay your own ABC credit card or someone else's ABC credit card; Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of credit card arrears of ABC.

2. Online Banking: Please log in to personal online banking and click "Credit Card → Repayment → One-click Repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.

Tips: If you need to return his credit card, you can transfer it.

(Answer time: June 25th, 202 1. In case of business changes, please refer to the actual situation. )

There are several ways for you to choose how to repay your credit card.

Credit card consumption greatly facilitates our life, but remember to repay on time on the repayment date. So, how to return the credit card? With the rapid development of the Internet, we can not only choose the traditional repayment method, but also adopt a more convenient and quick way. Here are some ways to introduce you.

1, intra-bank repayment

Repayment can be made through the counter of the issuing bank, 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. Under the premise of pressing repayment time, cardholders are advised to use this method as much as possible to avoid penalty interest and late payment fees. Among them, when transferring money through online banking, the cardholder needs to turn on the online banking transfer function of the debit card for automatic transfer. The transferred debit card and the transferred credit card must be in the same bank name, and there is no handling fee through intra-bank repayment.

2, mobile phone repayment

Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for credit card direct repayment, transfer and other services, and it is instant payment!

3. Online repayment

The more common online repayment methods are UnionPay Online, Quick Money, Tenpay, Alipay and WeChat. Choose different platforms and banks, and the charging standards and specific arrival time are different. In addition, each bank has its own APP, which generally supports credit card repayment.

4. Lacarra

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment 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 handling fee, and the time of payment arrival and the convenience of repayment are not the same as those of industry or online repayment.

How to return the credit card?

There are many ways to repay credit cards. The following are several commonly used repayment methods:

1. Binding a savings card is the most convenient repayment method. When you apply for a credit card, it is bound to our savings card, and the bank automatically deducts money when you repay it, which is convenient for you to transfer money manually to the bank.

2. Online banking transfers money first, which is safe. Open the issuer's online banking, log in to the online banking, and enter the password to complete the repayment without handling fees.

3. Third-party repayment is convenient. At present, Alipay Wallet supports credit card repayment of more than 30 banks, and a "repayment reminder day" can be set.

4. Reimbursed by Lacarra. Credit card outlets use less, but there is a handling fee for repayment, which is 2 yuan per transaction. Three repayment methods of credit card

1. Full repayment: after the bill is issued on the bill issuing date, it will be paid off in one lump sum. This is the best repayment method, but it also requires considerable funds. If the bill amount is 65438+ million, it needs 65438+ million to pay it back. Full repayment is actually divided into two repayment methods, one is the one-time repayment mentioned above, and the other is

Accumulated multiple full repayments. The bank doesn't stipulate that it should be paid off in one lump sum, so we can pay it off in multiple installments as long as the bill amount is paid off before the final repayment date. For example, the current bill is 10000 yuan, and we will pay 100 yuan in one lump sum, which is enough.

2. Repayment by installments: After the bill is issued on the bill issuing date, the current bill will be repaid by installments, which can generally be divided into 3/6/9/ 12/ 18/24 installments. This method is relatively less stressful, but it will bear a certain installment fee.

There is also the minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it reissues the bill, which is also the most uneconomical repayment method. If the bill amount is large, you have to pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.

Small expansion: billing date and repayment date

Billing date: The billing date is the date of bank settlement. The bank's bookkeeping date is determined according to the application time. The billing date is set when the credit card is approved. After the card is activated, you can call the bank to modify the bill date.

Last repayment date: In general, the last repayment date is 20 days after the bill date, but some banks also stipulate the last repayment date. It's all about 20 days. It won't make much difference.

10% repayment method:

1. After paying the bill at sunrise, it can be operated from the 3rd. The total amount of the bill is 10000 yuan, which can be repaid by 1000 yuan.

2.3 repay 1 1,000 yuan in the morning, restore the limit of 1 1,000 yuan, and brush out the 400 yuan three hours later, and brush out 1 1,000 yuan again. I have paid back 2000 yuan in one day. After that, swipe the card every day to complete the repayment and accumulated repayment 10000 yuan.

Precautions! ! !

1. The repayment amount, credit card amount and credit card interval of the above methods are just examples. The actual situation depends on the individual situation, which is not suitable for complete imitation. (Of course, the more places reserved, the better. )

2. Note that the credit card amount mentioned above is only an integer convenient for calculation, and the actual credit card should not be an integer.

Please manage your credit card effectively to avoid overdue.

How to return the credit card

Credit card repayment method:

1, counter repayment. Take the repayment funds to the bank counter to repay.

2. Self-service deposit and withdrawal machine repayment. You can repay the loan by depositing funds into the repayment account.

3. The repayment account will automatically deduct the repayment.

I. Precautions for the use of credit cards:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information protection.

The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.

5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.

If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.

Second, the reasons for the rejection of the credit card application:

1, personal credit is not clean.

It is normal for a person with a bad credit record to be refused a card. Before handling, be sure to check your credit report for the past year.

2, the basic conditions are not up to standard

Minors or unstable jobs make banks feel unable to repay.

3. There is something wrong with the application materials.

On the one hand, to apply for a credit card, you need to prepare complete information, from personal basic information to financial proof. If the applicant provides detailed application materials and can effectively verify them, the possibility of credit card approval will be greatly improved. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number and card address in the application form are all extra points for applying for a credit card, so don't ignore them easily!

4. The average comprehensive credit score is low.

It may be because one factor in personal qualifications is not up to standard, which leads to the comprehensive score not meeting the requirements stipulated by the bank. So in daily life, we should pay attention to all aspects.

This concludes the introduction of how to repay by credit card and how to repay by credit card. I wonder if you have found the information you need?