The use of credit cards has become a popular trend, and now there are more and more people using credit cards. Credit cards are convenient and fast to use, but in the process of using credit cards, it is generally necessary to repay them in time. Here are some ways to repay them.
1. Alipay repayment
1. Log in to Alipay account and enter the account name and login password;
2. Select my application-the option of credit card repayment, as shown below:
3. Click Repayment Now directly. Credit card repayment supports repayment from 31 banks. Just select the bank card that you have already opened an account with.
4. Fill in the credit card repayment information, credit card number, cardholder name, repayment amount and other information;
5. You can choose to use Alipay's cash balance for payment, enter the payment password for repayment, confirm the information, and click OK to make payment;
6. When the paid funds are submitted, different banks may arrive at different times. After completing the refund, just wait patiently and you will be prompted after the repayment is successful.
Second, repayment at the bank counter
Credit card repayment can also be made directly at the bank counter, which is also a very convenient and fast repayment method;
Third, bank ATM repayment
For general credit card repayment, you can also make repayment at an automatic ATM, which is also very convenient and fast;
fourth, online banking repayment
credit card repayment can also be made by online banking, but only if online banking is opened.
expansion:
repayment option
1. Full repayment. After the bill is issued on the billing day, it will be paid off in one lump sum. This is the best repayment method, but the funds needed are also quite large. If the bill is 1, yuan, it needs 1, yuan to pay it back.
2. Repay by installment. After the bill is issued on the billing date, the current bill will be repaid in installments, which can generally be divided into 3/6/9/12/18/24 installments. This method has relatively less repayment pressure, but it has to bear a certain installment fee.
3. Minimum repayment amount. When each bank issues another bill, it will give you a minimum repayment amount (1% of the current bill), which is also the most uneconomical repayment method. If the bill amount is large, it will pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.
Precautions
1. Distinguish the credit card repayment date from the billing date
The billing date of the credit card is the date when you count the total amount of credit card swiping in the past month, and the money on the bill is the money you must pay back on the repayment date about 2 days later.
the credit card repayment date is the day when you have to pay back the credit card bill of last month.
2. How to check the current credit card bill
There are many ways to check the credit card bill. One is to bind the official credit card WeChat account on WeChat, which is my most commonly used method, simple and convenient; The second method is to call the official phone number of the bank credit card. Some bank phones require that you wait for more than 1 minute before you enter your ID number, which is relatively troublesome.