Can Alipay help others pay off their credit cards?
Yes.
Credit card repayment is an online credit card repayment service launched by Alipay. Users can use the available balance of their Alipay account, quick payment (including card) or online banking to easily realize cross-bank and cross-regional repayment for themselves or others. Pay off someone else’s credit card.
The specific repayment steps are as follows:
1. On the main Alipay interface, find the "Credit Card Repayment" option and click to enter.
2. In the credit card repayment interface, select or add a credit card that requires repayment, 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.
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Can Alipay help others pay off their credit cards (debit cards)?
Yes, a certain handling fee will be charged if the free limit is exceeded. Yes. Help others repay their credit card (credit card) through the mobile app or computer. Use Alipay to pay off your credit card (credit card) bill. You can use the account balance, Yu'e Bao or the bound savings card to make the repayment. Bei cannot be used to repay credit cards (debit cards) and can only be used for shopping. At the same time, Huabei payment is not supported in consumption scenarios such as transfers and cash withdrawals.
Credit cards can be used to repay for others. Credit card?
You can ask others to help you with credit card repayments. If others transfer funds to the user's credit card, it is equivalent to helping the user repay the loan.
As long as it is paid back. On the payment date, there is a balance in the credit card for repayment. As for the method of obtaining the funds, the bank will not check it.
Therefore, when the user cannot repay the credit card on time, he can ask his friends.
In addition, the requirement for credit card repayment is that the amount repaid on the repayment date is not less than the minimum repayment amount, so as long as the specified amount is repaid, the bank will regard the user as repaying on time. .
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 name of the issuing bank, validity period, number and cardholder printed on the front. Cards with cardholders' names, etc., and a magnetic stripe and signature strip on the back can go to a special commercial service department to shop or make purchases, and then the bank will settle the bill with the merchant and the cardholder. The cardholder can do so in accordance with regulations. Overdraft within the limit.
Main features
① Credit card is one of the fastest growing financial services today. It is an electronic payment method that can replace traditional cash flow within a certain range. Currency;
②Credit cards have both payment and credit functions. Cardholders can use them 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 and facilitate shopping and consumption. , enhance the sense of security;
⑥Credit cards can simplify payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Financial management strategies.
1. Control the number of credit cards in moderation
Once there are too many credit cards, it is easy to misunderstand the repayment date of this card, forget the credit limit of that card, etc. It is difficult to manage, and it is easy to cause late repayments and leave bad records. Moreover, if you use multiple cards to earn points, it is not conducive to redeem gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.
2 , Keep the credit card receipt
Most credit card holders don’t care about the receipt and will not keep it. Most of them just throw it away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly.
And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.
For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.
4. Choose the right credit card
The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.
5. Use your credit card as much as possible within the maximum limit for credit card consumption
Every credit card has a limit. If you use your card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from the amount of your credit card, which is a win-win situation.
6. Don’t repay until the repayment date
Use the last repayment date to earn more interest. After all, the money is placed in your own account, and the interest generated is also yours, so You should make full use of the opportunity of having money in your hands to make it generate more money. In addition, if you are unable to repay due to some special reasons on the repayment date, please call the bank's credit card customer service hotline to explain the situation and request a delay in repayment. 1 to 2 days, usually this situation will be allowed.
How to pay off someone else’s credit card?
Steps to help others pay back their credit cards
1. First open WeChat on your mobile phone, click "Me" to enter "My Wallet";
2. In " "My Wallet" page, select "Credit Card Repayment". If it is the first time to use it, you must first add the credit card for repayment, enter and name to add;
3. Fill in the credit card you want to repay on your behalf. And the name of the cardholder. After successfully adding the credit card, enter the amount to be repaid and enter the payment password.
Editor’s tip: You can choose to pay with change or bank card as payment method.
Notes on WeChat repayment
1. Confirm the credit card used for repayment and the correct name of the cardholder;
2. Not all banks All repayments can be made through WeChat. It is understood that China Merchants, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, Guangfa, China Construction Bank, Industrial Bank, CITIC, Ping An, Agriculture, Minsheng, China Everbright, as well as Shanghai Pudong Development Bank, Bank of Jiangsu, Bank of Ningbo, Bank of Nanjing and Bank of Shanghai , Bank of Beijing, Bank of Hangzhou, Hankou Bank, Shanghai Rural Commercial Bank and other banks can use WeChat to repay credit cards;
3. WeChat credit card repayment arrival time, grasp the WeChat repayment arrival time, avoid The credit card is overdue.
1. As long as you have the name and repayment account of the other party, you can help others pay off their credit card by transferring money on online banking, mobile banking or credit card APP.
Second, you can also enter the other party’s number directly into the ATM machine and transfer the money directly to the other party’s card.
3. WeChat or Alipay can also help others pay off their credit cards. The repayment operation on WeChat is as follows:
1. Open WeChat and select "My - Payment - Credit Card Repayment";
2. Click "I want to repay" and jump Go to another page;
3. Enter the cardholder’s name, bank, check the agreement and click “Confirm Add”;
4. Click on the credit card you just added, and Just click "Repay Now" on the interface that appears.
Is it illegal to pay off credit cards for others?
Legal analysis: Paying off credit cards for others does not constitute a crime. It is a legal act of civil compensation. There are two types of credit card crimes: credit card crimes and crimes of obstructing card management.
Any of the following circumstances constitutes a credit card crime: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person’s credit card; 4. Malicious overdraft of.
Legal basis: Article 177 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who forges or alters financial instruments under any of the following circumstances shall be sentenced to not more than five years or criminal detention, and shall also be sentenced to: Or a single fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the circumstances are serious, the fine shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the circumstances are particularly serious, the fine shall be not less than 10 years but not more than 10 years, or, In addition, a fine of not less than 50,000 yuan but not more than 500,000 yuan may be imposed or property may be confiscated: (1) Forging or altering bills of exchange, cashier's checks, checks; (2) Forging or altering entrusted collection vouchers, remittance vouchers, bank deposit receipts, etc. Bank settlement vouchers; (3) Forging or altering letters of credit or accompanying documents and documents; (4) Forging credit cards. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Article 177-1 Whoever obstructs the management of credit cards under any of the following circumstances shall be sentenced to not more than three years or short-term imprisonment, and concurrently or solely fined not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances , shall be sentenced to not less than three years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: (1) Knowingly holding or transporting a forged credit card, or knowingly holding or transporting a forged blank credit card, A large amount; (2) Illegal holding of other people's credit cards in a large amount; (3) Using false identity certificates to fraudulently obtain credit cards; (4) Selling, buying, or providing others with forged credit cards or using a false identity Prove that the credit card was fraudulently obtained. Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph. Any staff member of a bank or other financial institution who takes advantage of his position to commit the crime in Paragraph 2 shall be severely punished.
"People's Republic of China and Civil Code"
Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop disbursing the loan, Collect the loan in advance or terminate the contract.
Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.
Can someone else repay a credit card on my behalf?
Can someone else repay my credit card on my behalf?
Generally, manual credit card repayment requires you to bind and open a bank card with transfer function on mobile banking, and then repay the money to the corresponding account of the credit card. As long as the cardholder's name matches, it doesn't matter whose card it is.
Of course, it is best to use your own card to repay. If you frequently use other people’s bank cards to repay, the bank will question your repayment ability or use the card illegally, which will eventually lead to a reduction or card suspension. .
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. 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 so-called credit card generally refers to a credit card only.
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).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
That’s it for the introduction of whether you can help others pay off their credit cards.