Are you worried about whether it is safe to associate a credit card with a debit card, but are hesitant about whether to associate a credit card with a debit card? In fact, if your credit card is linked to a debit card, it can actually save you a lot of repayment worries, so as not to affect your personal credit.

1. What is associated automatic repayment?

Automatic repayment means linking your credit card to a debit card, and the bank will automatically deduct the outstanding amount when the payment is due.

If you want to activate automatic repayment, you can apply through the customer service phone or online banking.

If you apply for or modify the automatic transfer repayment settings before the due date of your credit card, the settings will take effect for the current month; if you apply for it at another time, it will take effect for the next month.

Generally, banks will deduct the money on the repayment date. If the balance of the associated debit card is insufficient, the bank will not deduct the money a second time.

2. Before linking the repayment, there are several things to note:

The linked credit card and debit card must be the same cardholder. To put it simply, the names and ID cards corresponding to the two cards must be consistent.

Some banks will specify the issuing regions of credit cards and debit cards. For example, both cards must be from Shanghai.

Please pay attention to automatic repayment of credit cards:

1. Even if the credit card and debit card are bound to automatic repayment, it is best to check and confirm two days before the final payment due date. Whether the repayment is successful, so as not to stain your credit record.

2. Most banks will send a message that the monthly bill of your personal credit card account has been paid off after the cardholder pays off the current bill. If you do not receive such information, you need to make a timely inquiry.

3. After going abroad and swiping your card and returning, if there is a debt in your credit card's foreign currency account, you should confirm with the card-issuing bank whether the associated savings card has activated the automatic foreign exchange purchase and repayment function. If this function is not activated, the cardholder must call the bank to apply for foreign exchange purchase before the final payment due date to avoid delays in repayment.

Since there is no handling fee if you link a credit card to a debit card, it can also save you some trouble in repayment. It can be said to be a huge benefit without any harm. It feels really great for a lazy person like me. It's necessary!