"Modern" saves trouble: Binding debit cards For "Ma Daha" who are busy at work and often forget to repay, it can be said to be more trouble-free to bind credit cards and debit cards from the same bank. As long as the debit card is guaranteed Just have enough money in there to pay off your credit card bills. The more taboo thing about binding a credit card and a debit card for repayment is that there is no regular deposit of cash in the debit card. Once this happens, it may turn trouble into losing money (interest will be deducted or late payment fees). Therefore, it is better to use the salary card location. A credit card issued by a bank, so that you can ensure that there is enough money in the debit card. Of course, in most banks, to bind credit cards and debit cards, you still need to go to a bank branch to handle the binding business, and then you can "once and for all." Another easier way is to make a phone call to repay the loan. Another advantage of using bundled repayment or phone repayment is that after repayment, the credit card limit is restored immediately, and the money can usually be credited to the account after the system processes it on the same day. Under the premise that the repayment time is tight, it is recommended that cardholders try to use this method to avoid penalty interest and late fees.

"More" saves money: Third-party platform repayment Some third-party payment platforms, such as Alipay, Kuaiqian, Tenpay, Yibao Pay, etc., not only can repay credit cards across banks for free, but also some third-party payment platforms Third-party payment platforms also have discounts. Alipay already supports credit card repayments for 23 banks. It is the online credit card repayment platform that supports a larger number of banks, and all bank repayments are free. Among the 23 banks, 17 banks such as China Merchants Bank, ICBC, China Guangfa, Bank of Communications, Shanghai Pudong Development Bank, CITIC, Industrial Bank, Minsheng, and Ping An can receive the money on the same day, and Bank of China, China Construction Bank, Agricultural Bank of China, China Everbright, China Xiamen, and Shenzhen Development Bank can receive the money the next day. At the same time, there are 8 banks that support Alipay to query credit card bills in real time without logging into online banking.

"More" worry-free: Convenience store repayment It is undeniable that many credit card holders are not familiar with banking services, especially online banking, and are especially worried about the risks of online banking and telephone banking, so convenience stores Repayment can be said to be more worry-free. The so-called convenience store repayment means that Lakala Company cooperates with 25 banks including Bank of Communications, China Guangfa, China Merchants Bank, Minsheng Bank, and Industrial Bank. Credit cards of the above banks can be repaid through Lakala distributed in convenience stores. First of all, convenience stores are located in almost every community, and you can handle it when you go out; secondly, the convenience store repayment operation is simple. You only need to find the Lakala convenience payment terminal in the convenience store, select credit card repayment from the menu, and then follow the prompts to enter With a mobile phone number that can receive transaction text messages, swipe any UnionPay debit card with sufficient balance to complete a credit card repayment. At the same time, you will also receive repayment reminders from Lakala on your mobile phone; finally, except for Bank of China and Bank of Communications, which charge a handling fee of 2 yuan for each credit card repayment, other banks do not charge any fees. However, it should be reminded that since the credit limit recovery time stipulated by each card issuing bank is different, it is recommended that you use Lakala to repay your credit card 3 working days in advance to avoid inconvenience caused by late payment.