How to repay the credit card of CITIC Bank

Credit cards are often used in our daily life and work, so how to repay the credit card? How to repay CITIC Bank credit card? I'm sharing my method in the hope it can help everyone.

01

Users who bind a CITIC Bank debit card to repay CITIC credit cards can automatically repay CITIC directly by binding a CITIC Bank debit card. For bank credit cards, the prerequisite for repayment is that there is enough money in the savings card.

02

Bind Alipay for repayment. Credit cards of CITIC Bank can be repaid by binding Alipay. After binding Alipay, you can set a repayment reminder date. Alipay will remind you to repay before the payment is due.

03

Bind WeChat for repayment CITIC Bank’s credit card can be directly bound to WeChat for repayment. The prerequisite for repayment by binding WeChat is that there are sufficient funds in WeChat.

04

Go to a CITIC Bank counter or automatic deposit machine to repay. If your credit card is from CITIC Bank, you can directly go to a CITIC Bank counter or automatic deposit machine to make repayment.

Six repayment methods with CITIC Bank credit cards

1. Repay via cash over the counter at CITIC Bank

2. Repay via cash over the counter

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3. Transfer and repayment over the counter of other banks

4. Transfer between banks in the same city

5. Remittance from other places

6. Transfer and repayment through ATM machines across banks Payment

How to repay with CITIC Bank credit card

CITIC Bank credit card actually has a variety of repayment methods. When making repayment, users can use the following methods:

1. Repayment at bank counter. When repaying, users can bring cash and credit cards to the counter of CITIC Bank for repayment. However, this method is cumbersome and wastes a long time.

2. Use the ATM machine for repayment. When users use ATM machines to make repayments, it is basically the same as depositing money with our ordinary debit cards. Users only need to insert the card, enter the password, put cash in the ATM machine, and then make ATM repayment.

3. Online banking repayment. If the user has opened online banking, he can also make repayment through online banking. No matter which bank's online banking is available, it is possible. The specific operation method is basically the same as transfer.

4. Third-party platform for repayment. Many third-party platforms now support credit card repayment, such as Alipay, WeChat, etc. Therefore, users can also use this method when making repayments.

Notes on credit card repayment: 1. Pay attention to the credit card repayment date. Usually, the repayment date is about 20 days after the credit card statement date. Users must pay off the balance between the billing date and the repayment date to avoid overdue payments.

It is best not to have an overflow deposit. When repaying a loan, many users may deposit an extra portion of cash in their credit card, which is also known as an overflow deposit. This part of the cash does not generate interest, and handling fees will also be charged when withdrawing cash. Therefore, it is best not to have an overflow deposit.

CITIC Bank credit card grace period

1. The grace period of CITIC Bank credit card is 3 days. For example, if the repayment date is the 25th, then the grace period is 3 days, on the evening of the 28th Any repayment before 20 o'clock can be regarded as normal repayment. If the repayment is made after this time, it will be regarded as overdue. Note that not only will penalty interest be charged for overdue repayment, but overdue records will also be uploaded to your personal credit report in real time, and the consequences will be very serious.

2. In addition, if the cardholder needs to delay repayment due to special circumstances, he can call the CITIC Bank credit card customer service hotline, and the credit card grace period can be increased to 5 days. It seems that CITIC Bank's credit card repayment rules are relatively user-friendly.

How to repay CITIC Bank credit card installments

How to repay CITIC Credit Card installments:

1. CITIC Credit Card WeChat public account processing

Users can open WeChat (version 8.0.16) in the iPhone 13 iOS 15.0 version, then follow the "CITIC Bank Credit Card" WeChat official account, click on the "Service Hall" in the "Card Opening and Account Checking" in the navigation bar, and click after entering Just "Bill Installment".

2. CITIC Credit Card Official Website

Users can use Baidu Browser (13.0.0.10) on Macbook Pro13 (macOSSierra10.12.6) to log in to the CITIC Bank Credit Card official website () and log in to their personal account For online banking, click "Bill Inquiry for this Issue" in "My Account" and you can handle bill installments after entering.

3. CITIC Credit Card Customer Service Hotline

Users can call CITIC Bank Credit Card Customer Service Hotline 4008895558 and follow the voice prompts for installment.

4. Processing at the counter of a CITIC Bank business outlet

Users can bring their credit card to the counter of a CITIC Bank business outlet for processing.

CITIC Group Co., Ltd. (formerly China International Trust and Investment Corporation) was founded in 1979 by Comrade Rong Yiren with the support of Comrade Deng Xiaoping. Since its establishment, the company has given full play to its important role as an economic reform pilot and a window for opening up to the outside world, carried out fruitful exploration and innovation in many fields, and successfully opened up a path for China's reform and opening up by absorbing and utilizing foreign capital, introducing advanced technology, equipment and management experience. and the innovative development path of modern construction services.

In 2002, China International Trust and Investment Corporation carried out institutional reforms and changed its name to China CITIC Group Corporation, becoming a state-authorized investment institution. In 2011, China CITIC Group Corporation was restructured into a wholly state-owned company, renamed China CITIC Group Co., Ltd. (referred to as CITIC Group), and initiated the establishment of CITIC Corporation Limited (referred to as CITIC Limited). In August 2014, CITIC Group injected 100% of the equity of CITIC Limited into CITIC Pacific, a Hong Kong listed company, achieving overall overseas listing.

CITIC Group, in accordance with its mission of “implementing national strategies and promoting national rejuvenation”, takes “building an outstanding enterprise group and forging a century-old national brand” as its development vision, and “deepens the reform of state-owned enterprises, strengthens technological innovation and "Integrating into regional strategies" is the main line of work, and we are deeply involved in the five major business sectors of comprehensive finance, advanced intelligent manufacturing, advanced materials, new consumption and new urbanization, and are committed to becoming a banner for the implementation of national strategies, a leading domestic and world-class technology-based outstanding enterprise group. In 2020, CITIC Group was listed on the Fortune Global 500 list for the 12th consecutive year, ranking 126th.

An inventory of China CITIC Bank’s credit card repayment methods. In fact, there are many repayment channels

As the popularity of credit cards increases, many people have one or two credit cards. Usually When shopping and eating, I like to pay by credit card. When the repayment period comes, you can just repay according to the bill, and you can also enjoy the interest-free period. However, many novices are not sure how to repay after swiping the card. Below, I will use CITIC Bank as an example to explain how to repay CITIC Bank credit card and CITIC Bank credit card repayment strategy.

There are 8 repayment methods for CITIC Credit Card. You can choose the repayment method according to your own situation

1. Automatic transfer repayment

If you have opened With CITIC Wealth Management Card or current passbook, you can apply for automatic repayment service through 400 customer service hotline, uplink SMS, CITIC Bank personal online banking or at a CITIC Bank branch. Our bank will automatically repay your credit card bill on the last repayment date every month. The corresponding amount will be deducted from your designated CITIC Wealth Management Card or passbook.

2. Automatic foreign exchange purchase and repayment

For the consumption accounts generated in your foreign currency account, you only need to transfer a sufficient amount of RMB (RMB arrears) before the due repayment date. Foreign currency arrears) are deposited into your CITIC Credit Card account. The RMB deposited each time will be automatically used first to repay the foreign currency arrears payable in the current statement, and the excess will be used to repay the RMB account arrears.

If you have activated RMB automatic repayment at this time, on the due repayment date, we will automatically convert the balance in your foreign currency account into RMB and the balance in the RMB account together, and transfer it from your CITIC Wealth Management Card or current account. Automatic transfer and repayment from the RMB account of the passbook.

3. Online banking repayment

If you have opened a CITIC Wealth Management card or current passbook, you can log in to register to activate your personal online banking and sign up with your credit card, that is Online transfer and repayment are possible. Instant payment, no handling fees (if you need to repay someone else's CITIC credit card, you need to activate the "enhanced version" of online banking at a CITIC Bank outlet).

4. ATM transfer and repayment

Use the CITIC Bank Wealth Management Card to transfer and repay the CITIC Credit Card at any CITIC Bank ATM machine, and the money will arrive in real time with no handling fees .

5. CITIC Automatic Deposit Machine Repayment

Make cash repayments in RMB at CITIC Bank’s Automatic Deposit Machine (ADM) or Deposit and Withdrawal Machine (CDM). Instant payment, no handling fees.

6. Telephone Banking Transfer Repayment

If you have opened a CITIC Bank Wealth Management Card or current passbook, and have activated the self-service transfer service of Telephone Banking, you can call Telephone Banking 95558 ,

Use phone transfer to pay off your own credit card balance.

7. Over-the-counter repayment

Over-the-counter cash repayment: Use cash to repay the CITIC credit card at any CITIC Bank branch. To accept repayment on behalf of others and repayment without a card, please make sure to fill in the CITIC Credit Card accurately. Instant payment, no handling fees.

Over-the-counter transfer repayment: At any CITIC Bank outlet, use CITIC Wealth Management Card or current passbook to transfer repayment to a CITIC credit card, and accept repayment by others and repayment without a card. Instant payment, no handling fees.

Check repayment at the counter: Repay the CITIC credit card by check at any CITIC Bank branch. It usually takes 2-3 working days to arrive, and there is no handling fee.

8. Online banking, telephone and over-the-counter foreign exchange purchase and repayment

For the consumption accounts generated in your foreign currency account, we also have a variety of repayment methods for you to choose from: Online banking and foreign exchange purchase Repayment, repayment of foreign exchange purchased over the phone and repayment of foreign exchange purchased over the counter.

Online banking foreign exchange purchase and repayment

If you have opened a CITIC Wealth Management card or current passbook, you can log in to register to activate your personal online banking and sign up with your credit card, that is Online foreign exchange purchase and repayment can be realized.

Purchase foreign exchange and repay by phone

You only need to deposit a sufficient amount of RMB into your CITIC Credit Card account before the due date of repayment, and then call the customer service hotline 40088- 95558,

You can apply for foreign exchange purchase and repayment.

Purchase foreign exchange and repay over the counter

You can also purchase foreign exchange and repay in RMB at designated outlets of CITIC Bank with the original current statement and identity document.

How to repay with CITIC credit card

1. UnionPay online repayment

You can log in to the UnionPay online payment website via Baidu browser and register to activate the personal payment service. And bind your debit card to repay the CITIC credit card through online payment. Instant payment, no handling fees for the time being.

2. Repayment of Alipay APP version 3.0

Log in to the Alipay website and select "Credit Card Repayment". Follow the instructions and use a debit card issued by any bank with online payment function. Make repayments to CITIC Credit Card, and the funds will arrive in your account in real time.

3. Tenpay repayment

Log in to the Tenpay website and select "Credit Card Repayment". Follow the instructions and use a loan issued by any of the following banks with online payment functions. Debit the card to repay the CITIC credit card, and the funds will arrive in your account in real time.

IV. Self-service smart terminal repayment

You can bring any debit card with the UnionPay logo and make payment through CITIC, Minsheng, Ping An, Pudong Development, Huaxia, Shenzhen Development Bank Self-service smart terminals with the Lakala logo, Fuyou logo, UnionPay logo, and UnionPay Business Payment Easy to transfer and repay CITIC credit cards with the UnionPay logo have been deployed by major banks and tens of thousands of specially appointed merchants or convenience stores across the country. .

Repayment methods after consumption with CITIC Credit Card

What are the repayment methods?

1. Nine repayment methods for you to choose.

(1) Cash repayment (RMB, Hong Kong dollars and US dollars)

You can hold CITIC STAR credit card (if you do not bring a credit card, you need to write it in the corresponding position of the repayment slip) , go to the business outlets of CITIC Industrial branches nationwide before the due date of repayment, and repay in cash.

(2) Personal settlement account transfer repayment (RMB, Hong Kong dollars and US dollars)

You can hold CITIC STAR credit card (if you do not bring a credit card, you need to write it on the repayment slip Corresponding location) and CITIC Industrial Bank personal settlement account passbook or debit card (such as wealth management treasure), go to all CITIC Industrial Bank business outlets across the country before the due date to repay the credit card account through transfer.

(3) Repayment by letter transfer/telegraphic transfer (RMB, Hong Kong dollars and US dollars)

You can pay your credit card account by letter transfer/telegraphic transfer through other bank counters. When remitting, the name of the payer, credit card, and the receiving bank should be stated, which should be any branch of CITIC Industrial Bank.

Note:

_The cardholder shall be responsible for the remittance fees incurred when repaying the credit card account via letter transfer/telegraphic transfer.

_The repayment date is based on the date your account is received.

(4) CITIC ATM transfer repayment (RMB, Hong Kong dollars and US dollars)

You can hold a CITIC Industrial Bank debit card (such as Wealth Management Bank) at any CITIC Bank across the country At the bank's ATM machine, select [Transfer Transaction] to pay the credit card account.

(5) Repayment by check transfer (RMB)

You can use a check and a CITIC STAR credit card (if you do not bring a credit card, you need to write it in the corresponding position on the repayment slip). Go to all CITIC Industrial Bank business outlets across the country to pay off your credit card account before the payment due date.

(6) CITIC Automatic Deposit Machine (CDM) Repayment (RMB)

You can insert your CITIC STAR credit card into the CDM machine of CITIC Industrial Bank and follow the prompts of the deposit machine Just do it.

(7) Telephone banking transfer repayment (RMB)

You only need to bring your CITIC Industrial Bank personal settlement account passbook or debit card (such as Wealth Management), credit card and ID card Go to a CITIC Industrial Bank branch to apply for credit card telephone banking transfer repayment, and then call the local CITIC Industrial Bank telephone banking hotline to pay your credit card account by telephone transfer.

(8) Call 800 for foreign exchange purchase and repayment

For overseas consumption, you only need to deposit the corresponding RMB into your credit card account and call the 800 customer service hotline to apply for foreign exchange purchase and repayment. , which saves you the trouble of going to the counter to repay.

800 telephone foreign exchange purchase and repayment procedure:

I. Deposit the corresponding RMB for foreign exchange debt into your credit card account;

II. Only for the principal Cardholders call the 800 customer service hotline to apply for foreign exchange purchase and repayment (the primary cardholder can apply for your supplementary card);

III. Our customer service director will confirm with you: the date of foreign exchange purchase, Information such as the foreign currency repayment amount, the estimated amount of RMB required, and the foreign exchange purchase exchange rate;

IV. We will handle the foreign exchange purchase for you on the next working day after your RMB deposit is credited, and the foreign exchange purchase exchange rate is the same as the foreign exchange purchase rate. The bank foreign exchange rate announced by the state on that day shall prevail.

When withdrawing foreign currency cash at domestic counters, you can only repay in foreign currency and cannot purchase foreign exchange for repayment.

(9) Inter-bank transfer and repayment from ATM machine (RMB)

Now you can easily operate the ATM machine of any online bank, and you can transfer the debit card of the online bank to CITIC STAR. Credit card transfer and repayment business is not limited to the number of transfers and can be processed 24 hours a day.

This transfer service is currently only applicable to domestic RMB transactions!

Operation steps:

1. Insert the bank card for transfer to and from online banking

2. Select the inter-bank transfer business

3. Enter CITIC STAR Credit Card

4. Enter CITIC STAR Credit Card again

5. Enter the transfer amount

6. Press the confirmation button and check the transfer and amount displayed on the screen

7. After verification, press the confirm button

8. The transaction is completed and the transaction results are displayed on the screen

Please be careful when conducting inter-bank transfer transactions at ATM machines Check the transfer account number and check the account balances of both parties immediately after the transaction is successful to avoid transaction losses.

This is the end of the introduction on how to repay with CITIC Credit Card and how to repay with CITIC Credit Card and how much you borrow is different. Did you find the information you need?