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. )
How to pay back the credit card loan?
How to pay back the credit card loan?
How to pay back the credit card loan? Alipay payment is familiar to people who love online shopping. Many people have become accustomed to this convenient payment method, and Alipay repayment is listed as the first choice for credit card repayment. The following is about how to repay credit card loans in various ways.
Credit card loan 1 how to pay it back?
1, automatic deduction by binding savings card.
At present, many credit card issuing banks provide automatic repayment service, that is to say, if you have a savings card of this bank, as long as automatic deduction is set, the bank will automatically deduct the credit card when it is about to expire. But this premise is that there must be money in the savings card. If the money in the card is too small to be deducted, it will be very troublesome if it is overdue.
2. Repayment by online banking transfer
You can log on to the personal online banking or credit card website, and you can not only repay your own credit card, but also repay others with a click of the mouse. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to know the website address every time you log in, and don't set a simple password. If the password is leaked, there is a risk that the account will be stolen.
3. Mobile banking repayment
Mobile banking repayment is the most used credit card repayment method for young partners at present. As long as you install the bank client on your mobile phone, you can easily repay with your fingers anytime and anywhere. Because credit card repayment belongs to fund transfer business, for the sake of fund security, it is necessary to open advanced mobile banking.
It should be noted that the mobile phone can be operated in various occasions, so we must pay attention to the protection of passwords and the custody of the mobile phone. Once the mobile phone is lost, it must be reported to the mobile operator immediately and the mobile banking service must be cancelled.
4, Alipay repayment
Alipay payment is familiar to people who love online shopping. Many people have become accustomed to this convenient payment method, and Alipay repayment is also listed as the first choice for credit card repayment. In addition, Alipay promises to repay the account within 2 hours, but it must meet three conditions: first, the repayment by mobile phone, second, the repayment amount is within 50,000 yuan, and third, the repayment time is within the banking service hours.
5. WeChat repayment
At present, there are two repayment methods for WeChat credit card, namely, switching to online banking or mobile banking for credit card repayment or talking to WeChat through the official bank account. It should be noted that WeChat can only repay the credit card directly through the bound savings card. In addition, there is no handling fee for using WeChat for repayment, with a single and daily limit of 20,000 yuan and a monthly limit of 50,000 yuan.
6. Credit card management APP online repayment
The advantage of using Kaniu credit card to manage online repayment of APP is that a mobile phone software can query the basic information of personal account, such as bill date, repayment due date, total amount payable in this period, minimum repayment amount and so on. -Repayment reminder-Support online repayment, which can be completed in just a few steps. You don't need to jump back and forth in the mobile phone interface to check the credit card arrears, and you need to remember carefully every time the bill has a decimal point, and then go to another software or platform to choose repayment.
7. Counter or ATM repayment
At present, this repayment method is rarely used, and it is generally used by elderly or conservative people. It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount is an integer multiple of 100, and the single transaction limit is the same as that of the existing transfer bank UnionPay ATM, with the maximum daily limit not exceeding 20,000 yuan, and the handling fee is deducted from the transfer card.
8, convenience store Lacarra repayment.
Lacarra repayment is a convenient credit card repayment service. At present, the number of convenient payment points in Lacarra has grown to nearly 90 cities, with more than 30,000. They can be found in convenience stores, supermarkets and community stores. There is a uniform charging standard for credit card repayment of Lakashou.com: at present, only China Bank (except Shenzhen), Agricultural Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing and China Construction Bank (the bank charges 2 yuan for credit card repayment free of charge), and other banks do not charge for the time being.
Installment repayment is more favorable
If the funds can't be turned over for a while, you can also consider repaying the arrears by installment. Although installment repayment does not generate interest, it has to pay a handling fee. The handling fee here is actually the "interest" charged by the bank in disguise.
At present, most banks provide cash installment business in three phases, six phases, 12 and 24 phases, and some banks also provide installments as short as 1 month and as long as 36 phases. As for the handling fee rate, the situation of each bank is different, but the overall difference is not big. Take 12 (i.e. 1 year) as an example, which is basically between 7.8% and 9% annualized. Take China Merchants Bank [-0.56% capital research report] as an example. Cardholders can apply for bill installment. The third installment fee is 2.6%, the sixth installment fee is 4.2%, and the 12 installment fee is 7.2%. The first repayment is charged in one lump sum.
How to repay the credit card loan II
First, the advantages of credit card loans
How to get a credit card loan? What is the process? It is also very important to understand the advantages of credit card loans for such problems. Credit card loan approval is very fast. According to the different regulations of different banks, it can be successfully handled within one or two working days. Moreover, the procedure is very simple. You can apply for and handle loans by telephone or online, which greatly facilitates people's handling process and effectively meets people's loan needs.
Second, the credit card loan processing process
1. Apply to the bank
In order to effectively carry out credit card loans, the most direct way is to apply to the bank effectively. However, due to the regulations of the bank, it can't be said that it is a credit card loan when applying, but it should be called cash installment application.
Step 2 provide effective information
When applying to the bank, the customer service staff will ask the user some questions.
(1), that is, the credit card, the user name and the three digits behind the credit card, that is, the CVV code.
(2), is to understand what is the purpose of users to apply for cash installment.
(3) Confirm the number of cash installments, and the customer service will give the user a detailed introduction, including the handling fee rate, which should also be understood under the explanation of the customer service staff, and then the user will choose the appropriate installment number for repayment according to the actual situation.
3. Banks need to do audits.
After the user applies for cash installment, the bank will effectively review the user's application, including reviewing the user's personal data, such as whether it is handled by himself, whether the personal data is accurate, etc., and also reviewing the user's loan amount, which is closely related to the user's usual credit history and repayment situation.
How to repay the credit card loan 3
1. What are the conditions for a credit card loan?
1, the general bank will stipulate that you must work in your current unit for 3 months;
2. Individuals have no bad credit records and can only apply if their monthly income conditions reach a certain standard;
3. If you have used a credit card, you can go directly to the bank counter, but the amount will not be very high;
4. The borrower is in good debt condition and has repayment ability;
5. There is a certain income, and the income is stable, forming a stable bank flow.
2. What does credit card loan mean?
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
How to apply for a credit card loan?
1, telephone application. Credit card loan is actually an overdraft of credit card cash consumption. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan.
2. Go to the bank. You need to provide credit card information, such as name, credit card loan purpose, etc. Wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself.
How to return the credit card?
Credit card repayment method is as follows:
1. Repayment at the bank counter: Go to the counter of the credit card issuing bank and tell the bank teller that it is enough to repay by credit card, and cash needs to be prepared;
2.ATM repayment: sufficient cash needs to be prepared for the deposit operation at the ATM of the credit card issuing bank;
3. Online banking repayment: find a savings card with rich balance and online banking, and make repayment to the credit card account through peer or inter-bank transfer, and the service fee will be deducted from the inter-bank transfer operation;
4. Associated Savings Card Repayment: Generally, when processing a credit card, the bank staff will ask if it is possible to process a colleague's savings card, associate the savings card with the credit card, and set the deduction date. As long as the savings card has enough assets, the bank will automatically withdraw money from the savings card every month to repay the credit card, without worrying about overdue repayment of the credit card.
Precautions for credit card installment payment:
1. Before the installment loan, you should read the contract clearly, especially the interest and default clauses;
2. Note that some services in the contract are optional and can be selected according to your own situation;
3. The installment fee is often directly related to the number of installments, so we should choose the most suitable number of installments according to our own situation;
4. Remember the monthly repayment date clearly to avoid liquidated damages or bad credit records due to overdue repayment;
5. Look at the conditions of prepayment and know the charge and calculation of expenses in advance.
What are the ways of credit card repayment?
1, cash repayment over the counter (no handling fee, poor convenience, general application scope) is similar to cash repayment over the counter, and there is an ATM machine for deposit repayment, but the cardholder must first find out whether the ATM machine supports credit card repayment, and also need to know which bank this ATM machine belongs to and whether it supports the deposit of the bank card held. 2. Automatic repayment of bank salary card (free, convenient and narrow in application). For example, someone who receives a salary through China Merchants Bank and holds a credit card of China Merchants Bank can use the credit card to handle an automatic repayment agreement, so that every time the final repayment date is reached, the bank will automatically deduct the arrears from the salary card, which not only eliminates the trouble of queuing at the bank, but also eliminates the possibility of paying a lot of interest because of underpayment. 3, online banking, Alipay transfer repayment (the charge is not lower, more convenient, and the scope of application is wide) PC is extremely popular, and online repayment has become one of the most commonly used methods, among which online repayment is definitely used a lot, and efficient third-party repayment platforms such as UnionPay Online and Alipay are also well known, but their respective banks are different from the specific repayment operations, which requires everyone to look carefully before using them. 4. Convenience store self-service repayment (the handling fee is uncertain, relatively low, convenient and widely applicable) There are self-service repayment tools in some convenience stores and communities in first-tier cities, which are similar in function to online inter-bank repayment, and can be used without opening the online payment function, with good security. It is also a good repayment method for many older cardholders and some people who can't access the Internet. This method is represented by Xintong and Lacarra, and SDB has also launched a similar "Home Easy Repayment" cross-border repayment machine. 5, mobile phone payment product repayment (the handling fee is not low, it is very convenient, and the scope of application is wide) When it comes to convenient credit card repayment methods, naturally you can't ignore the mobile phone around you. In fact, as long as the mobile phone is equipped with a special external device, it can be turned into an independent ATM machine, and of course, credit card repayment can be easily completed in this bank and inter-bank. 6. Telephone banking repayment (no handling fee, convenient and widely applicable) Some banks have opened telephone banking repayment business. If you already have a current account with the bank and have opened the telephone banking transfer business, you need to call the fixed customer service hotline to complete the repayment.
The introduction of how to repay credit card loans and how to repay credit card loans cost-effectively ends here. I wonder if you have found the information you need?