You can transfer money by bank card to credit card for repayment. When the credit card is not returned, transferring money to the credit card account is equivalent to returning the credit card.
In addition, the credit card can be bound with the bank card to realize automatic repayment of the credit card, which can prevent users from overdue repayment. However, it should be noted that although automatic repayment is convenient, you must ensure that there are sufficient funds in the debit card associated with the credit card. Otherwise, the credit card will face a full penalty interest.
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Credit card free repayment method:
1, China unionpay express
Credit card repayment and transfer through the "China UnionPay Express" APP is free.
In terms of credit card bill inquiry, 66 banks including Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings, China Everbright, CITIC, Pudong Development Bank, Minsheng, Huaxia, Ping An, Guangfa, Xingye, Bank of Beijing and Bank of Shanghai have been launched. Together with credit card repayment, preferential rights inquiry, card application service and mobile phone flash payment, they have created convenient, fast, labor-saving and worry-free credit card services for users.
2. Most card-issuing bank applications
Repayment through China Merchants Bank APP and Pocket Life APP also has three major advantages. First of all, compared with third-party platforms, the return of credit cards requires a process. Different banks have different arrival times. Repayment by using China Merchants Bank APP or Pocket Life APP is not only 0 handling fee, but also 1 second. Secondly, these two apps not only support China Merchants Bank's credit card repayment, but also support other banks' credit card repayment fee of 0.
Finally, if you are worried that the credit card will be overdue due to forgetting to repay, you can also use the prepayment reservation function, as long as you ensure that the debit card with the deduction has the corresponding balance before the repayment date.
People's Daily Online-Don't forget to specify the "various" repayment methods of credit card bills after the holiday.
People's Network-What other channels are there for credit card repayment?
Is it a repayment to transfer money to a credit card?
Yes, you can pay back your credit card by transfer. The 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, 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 The mobile phone is a personal payment terminal of the 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, Kuaiqian, Shengfutong, Alipay and Yifubao. 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. 6. Counter access refers to bank cards issued by networked financial institutions, and RMB current deposit and withdrawal transactions are conducted through counters of other bank outlets registered in the host system of UnionPay Trading Center. 7.Lacarra cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment. 8. Xinfutong "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network. 9. Through repayment, fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank. 10, other methods In addition to these repayment methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.
Can I transfer my credit card directly for repayment?
Yes, the user can transfer the amount in the savings card to the credit card, which can be repaid by the user or automatically deducted by the system until the repayment date, which is very convenient and fast. The specific operation is as follows:
1. Use my bank card (someone else's bank card) to make repayment through online bank transfer;
2. Repayment by credit card through mobile banking bound with bank card;
3. Use a third-party repayment platform (Alipay, wallet, etc.). ) bind the bank savings card for transfer repayment.
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General credit card repayment methods are as follows:
1. Direct repayment by mobile phone, direct credit card repayment and transfer.
2. Bank repayment. Generally speaking, the repayment methods of banks include bank counters, ATMs, online banking and telephone banking.
3. Payment by Xinfutong. "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
4. Repay by repayment. Repayment through the "Repayment Pass" is generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
Credit card repayment should pay attention to the following aspects:
1. Repayment through other channels, especially third-party payment channels, will involve the issue of the time of receipt, and not all channels can receive the account on the same day, so users should pay attention to the time of receipt of repayment through the selected channels to avoid overdue.
2. If there is no special need, users are advised to apply for a temporary line carefully, because part of the repayment date of consumption using the temporary line must be paid off in one lump sum, and the minimum repayment amount cannot be used, nor can it be repaid in installments, otherwise it will be regarded as overdue.
The consequences of bank loans overdue:
1, resulting in penalty interest.
The regulations of each lending institution are different. As long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. The longer the time, the higher the cost.
2. Take collection measures
If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.
3. Affect credit
As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.
How to transfer money to credit card for repayment?
You can transfer money to a credit card through a bank savings card for transfer repayment.
Repayment method:
1. Use my bank card (someone else's bank card) to make repayment through online bank transfer;
2. Repayment by credit card through mobile banking bound with bank card;
3. Use a third-party repayment platform (Alipay, wallet, etc.). ) bind the bank savings card for transfer repayment.
For more information about how to transfer money to a credit card for repayment, please visit: See More.
Can credit card repayment be directly transferred to credit card?
Credit card repayment can be directly transferred to the credit card, and the arrears will be paid off after being credited. Cardholders can deposit money directly into their credit cards through ATM machines or bank counters; Or use online banking, mobile banking and other means to transfer money to credit cards. However, it should be noted that some repayment methods will be delayed, and the cardholder should reserve the recorded time when repaying, so as to avoid overdue due to unrecorded repayment.
The following information is expected to help you:
: credit card repayment method
There are many common repayment methods of credit cards, among which the following are more common. The first convenient repayment method is to pay the repayment through a third party, such as WeChat and Alipay, but WeChat also needs a credit card fee; 2. Repay by ATM, but only by the ATM of the issuing bank; 3. You can also pay back the credit card through online banking, and the time of receipt is fast. Bank branch repayment is the most traditional repayment method of credit card, which is gradually ignored with the development of information age. However, the repayment of bank outlets is not limited to the repayment of business halls. Now many banks have set up credit card repayment function on ATM machines, which is relatively convenient to use. ; 4, counter repayment, this method has been rarely used. There are seven ways to repay by credit card, namely: 5. Automatic repayment. You can associate a debit card with a credit card, and the bank will automatically deduct the repayment from the debit card after the association; 6. Telephone repayment. Call the customer service number of the issuing bank, and then return the credit card manually. Generally, you need to open a telephone bank in the issuing bank to transfer into or out of an account.
What should I pay attention to in credit card repayment? Generally speaking, just pay attention to the repayment date when changing credit cards. Generally speaking, the repayment date is after the bill date and is valid for fifteen days. If it exceeds this time, it will be overdue, and there will be bad records and penalty interest. In addition, it should be noted that the account name, certificate type and number of the associated personal debit card account must be consistent with the name, certificate type and number of the main credit card holder, otherwise repayment will be difficult.
Can I transfer the money to my credit card?
Credit cards cannot be directly transferred for repayment, but one credit card can be used to withdraw cash, and another credit card will be returned, which will generate corresponding interest and handling fee for withdrawal.
Direct transfer by credit card is equivalent to cash advance.
If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money.
The premise of using this method to transfer money is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Moreover, this kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of five ten thousandths of interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.
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Using credit card to transfer money has many disadvantages, such as:
1, the withdrawal cost is high: credit card withdrawal not only requires a handling fee, but also does not enjoy the interest-free period of normal consumption. Interest shall be calculated at 0.5 ‰ per day from the date of cash withdrawal, until the arrears are paid off.
2. Require full repayment when repaying: Cash withdrawal is different from overdraft consumption, and full repayment is required on the repayment date, and repayment cannot be made in installments or at a low price. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it is bound to be difficult to repay.
In view of this, card friends still try to transfer money with savings cards when they can. The cost of transferring money by credit card is too high.
Remittances from other people can be accepted, but there is no interest on the money deposited. If you take it out, you will be charged a handling fee and interest.
Baidu encyclopedia-credit card
This is the end of the introduction about whether you can transfer money back to your credit card and whether you can transfer money back to your credit card. I wonder if you found the information you need from it?