Method 1: Repayment by the third-party payment platform
Different platforms and banks charge different fees.
Advantages: the repayment methods are diverse and simple, and the choice space is large;
Disadvantages: the account may not be received in time, and there are account security problems; In addition, many third-party repayment methods do not support repayment.
Method 2: Automatic repayment
Automatic repayment of credit card is generally through binding a bank debit card and opening the automatic repayment function, so that the bank can automatically transfer the money on the debit card to the credit card account before the final repayment date of the credit card every month. Automatic repayment methods are divided into full repayment and minimum repayment, and cardholders can choose according to their own needs.
Advantages: it can be repaid in time, and the cardholder does not need to worry about repayment every month.
Disadvantages: In case of insufficient funds on the debit card, the repayment will fail, and then various expenses will be incurred after the deadline.
Mode 3: Online Banking Repayment
Online banking repayment, the cardholder only needs to turn on the computer and log in to the bank account to repay. However, it should be noted that different repayment banks are selected, and the charging standards and the specific arrival time of funds are different.
Advantages: It's simple and easy, and you don't need to go to the bank counter, you just need to repay the money through the computer network.
Disadvantages: there are security problems such as password leakage and account theft; In addition, a certain handling fee will be charged.
Mode 4: repayment by mobile phone
Mobile phone repayment is divided into mobile phone banking repayment and telephone repayment. If you pay by mobile banking, as long as you have a complete debit card, you can log in to mobile banking through your mobile phone, and then transfer money by peer or inter-bank credit card. At present, the five major banks are exempt from handling fees for mobile banking transfer.
In addition, telephone repayment is completed by calling the customer service hotline of each bank. However, when making telephone repayment, the cardholder usually needs to bind the debit card at the bank counter first, otherwise the bank will not support telephone repayment.
Advantages: it is more convenient to repay at any time; Low risk;
Disadvantages: you need to open the mobile phone repayment function at the counter first;
Method 5: Repayment by outlets
Repayment at the bank counter is the most conservative repayment method, which can be received in real time. In addition to the second type, there are also many cardholders who choose ATM machines for repayment. The ATM machine is more convenient than the counter for repayment in time, and the amount control is not accurate enough. Generally speaking, the cash deposited should be more than the repayment amount. If it is an inter-bank repayment, it will not only pay a certain inter-bank transfer fee, but also fail to arrive in real time.
Advantages: the most direct, safe and relatively timely.
Disadvantages: Time-consuming and labor-intensive, limited by bank business hours and outlets. If it is an inter-bank repayment, it will not only pay a certain inter-bank transfer fee, but also fail to arrive in real time.
How to return the credit card?
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. )
Excuse me, how can I repay my credit card if it is invalid?
There are generally two situations when a credit card is invalidated: first, the magnetic stripe of the credit card is damaged and cannot be used; Second, credit cards are automatically invalidated when they expire.
If the following two situations occur, repayment can be made in this way:
1, credit card with damaged magnetic stripe is invalid.
If the magnetic stripe of the credit card is broken, you can't swipe your card, but it doesn't affect the repayment. Cardholders can repay as usual.
When the credit card expires, it will be invalid.
Generally speaking, credit cards are valid for 3-5 years. After the credit card expires, if the cardholder does not want to continue to use the card, he can repay it according to the normal repayment date. If you want to continue to use the card, the general bank will contact the cardholder to change the card one month before the credit card expires, which will not affect the repayment.
In addition, the freezing and seizure of credit cards will not affect the normal repayment. If the credit card is cancelled, the bank staff will generally confirm in advance that the credit card has no arrears and no deposits before going through the cancellation procedures.