How to repay a credit card across banks? If you don’t pay attention to these matters, you will suffer big losses

Many cardholders usually use debit cards to transfer funds to repay credit cards, but sometimes the debit card and credit card are not from the same bank, which requires cross-bank repayment. . There are many ways to repay credit cards across banks. Here is a brief introduction to several common methods and related precautions.

How to repay a credit card across banks:

There are many common ways to repay a credit card across banks. One is to repay through an ATM machine, and the other is to repay online. There are different repayment methods. The method of operation is different.

1. ATM repayment:

Insert a bank's debit card into the ATM machine, enter the password to log in to the interface, click Repay on the screen, and enter the bank you want to repay. Please enter the credit card used for payment, cardholder name, and repayment amount. After confirming that they are correct, enter the transaction password and the repayment will be successful.

It should be noted that the credit card payment time will be different when using an ATM machine across banks. Some may arrive within 24 hours, while others may take 2 to 3 days to arrive. In order to avoid If the payment is delayed, it is best to repay the loan a week in advance. In addition, ATM repayment will also involve a handling fee, which is usually 1% of the repayment amount, but there will be an upper and lower limit, depending on the bank.

2. Online repayment:

Refers to cross-bank repayment through online banking, mobile banking, and other third-party platforms. Here we introduce using the mobile banking of each bank, or When repaying money on the UnionPay QuickPass APP, the repayment operation method is similar. You want to bind a debit card first, then enter the credit card of the bank, the name of the cardholder, the repayment amount, and the transaction password, and you can repay. The payment was successful.

Usually, there is no handling fee for inter-bank repayment of credit cards through mobile banking and UnionPay QuickPass APP, and the payment speed is very fast. Basically, the payment can be made on the same day. The specific arrival time depends on The credit card issuing bank's collection time shall prevail.

The above is the relevant introduction to "How to repay credit cards across banks". I hope it will be helpful to everyone. In short, there are many ways to repay credit cards across banks. It is best for us to choose a method that allows free repayment and timely payment, so as not to let ourselves suffer a loss.

How to repay a credit card across banks

Method: Alipay can be used for repayment. Alipay has launched an online credit card repayment service. Customers can use the available balance of their Alipay account, quick payment (including cartoon ) or online banking, you can easily repay your own or other people’s credit cards across banks and regions.

The steps for cross-bank repayment of credit cards with Alipay are as follows:

1. On the main interface of Alipay, find the "Credit Card Repayment" option and click to enter.

2. In the credit card repayment interface, select or add a credit card that needs to be repaid, and click to enter.

3. Enter the amount to be repaid in the repayment interface, and click "Confirm Repayment" below.

4. Click the "Pay Now" option below in the payment interface, and click to repay the credit card.

Alipay-What is the credit card repayment service?

Can credit card repayments be made across banks?

Yes.

On your China Merchants Bank online banking, click on the transfer interface and fill in the following:

1. Payee account name: fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

After completing the filling, enter your China Merchants Bank payment password. After confirmation, the system will prompt whether the transfer is successful and the amount of the transfer.

Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank 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.

Extended information

In addition to inter-bank repayment, other repayment methods include:

1. In-bank repayment

2. Mobile phone Repayment

3. Convenience store repayment

4. Online repayment

5. Over the counter

6. Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or by purchasing "Lakala" device terminals.

6. Xinpaytong

7. Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally based on the local People's Bank of China regulations. Inter-bank transfers and long-distance inter-bank remittances charge standard fees.

Baidu Encyclopedia - Credit Card Repayment

That’s it for the introduction of credit card inter-bank repayment.