Common credit card repayment methods in China mainly include the following categories (according to the cost level):
1, intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. 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.
2, mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
3. Convenience store repayment
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.
4. Online repayment
The common online repayment methods in China are: Baidu wallet, UnionPay online, quick money,? Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
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 fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 50 Cash deposited by an individual cardholder or his agent shall be handled at the issuing bank or his agent bank.
If a cardholder deposits cash with a credit card in an issuing bank or an agent bank, the bank shall affix a card stamp on the deposit slip, and after receiving the cash, submit the deposit slip and the credit card receipt to the cardholder.
If the cardholder entrusts others to deposit cash without pressing the card, the agent shall fill in the cardholder's card number, name and deposit amount on the credit card deposit slip, and send the cash to the bank for deposit formalities.
Article 51 When withdrawing cash from a bank, the cardholder shall submit his credit card and identity card to the bank or correspondent bank. IC cards and photo cards are exempt from ID cards.
After pressing (swiping) the card, the issuing bank or the agent bank fills in the cash withdrawal slip, and after verification, it will be submitted to the cardholder for signature confirmation. If the payment limit is exceeded, the agent bank shall claim the rights from the issuing bank and fill in the authorization number on the cash withdrawal form. After completing the payment procedures, send the cash, credit card, ID card and cash withdrawal receipt to the cardholder.
Article 52 After the issuing bank (or correspondent bank) receives various documents transmitted by the acquiring bank through the same city bill exchange or through this system, it will handle the payment procedures for the cardholder.
Baidu encyclopedia-credit card repayment