Deposit the money directly into the credit card to calculate the repayment.

1. The banking system will automatically deduct the balance in the credit card on the repayment date of the credit card. When the deduction amount is equal to the repayment amount, it is equivalent to the user's repayment. There are many ways to deposit money into a credit card, such as mobile phone bank transfer, ATM deposit and bank counter remittance. And this operation can be carried out by others.

2. If you don't want the system to automatically deduct money, the user can choose to take the initiative to repay, and the credit card limit will be restored after successful repayment.

Extended data:

First, how to repay the credit card?

The main repayment methods of credit cards are as follows:

1. Bundle savings card for repayment. You can bind the credit card to the savings card of the credit card issuer, and the bank will automatically deduct money from the savings card when repaying.

2. Online banking transfer repayment: After opening online banking and logging in, you can transfer money from your own bank account, enter the credit card and password for repayment, and you can complete the repayment through online banking transfer.

3. Repayment on mobile payment platforms, such as Alipay, WeChat, Lacarra, etc., supports credit card repayment, and credit card arrears can be repaid through these apps.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

2. I want to change my credit card when it expires. Do I need to pay off my debts?

No, as long as the credit card expires, the bank will issue a new card regardless of whether there is any arrears. After receiving the activation of the new card, the information of the old card will be transferred to the new card, including the outstanding debts. You just need to return the money to the new card.

And if the old card has arrears, but you don't let the bank change it, in this case, you must pay off all the arrears.

Third, the consequences of overdue credit cards.

1. If the payment is not made after 7 days, the bank will classify the loan as "dunning" and "deferred payment". At this point, the user must pay tax late fees or overdue interest;

If the payment is overdue for more than 3 months, it will be very serious. Lenders will be marked with bad personal credit records in the joint credit information center, alias "credit blacklist", and it is likely to be kept for more than three years;

3. Just entering the credit blacklist, mortgages and car loans will be affected. Overdue interest is only a financial loss, and poor personal credit record is a loss of inventory, and its influence is irreparable by money.

I can't repay my credit card. Can I transfer the money to my credit card to calculate the repayment?

Hello, there are many channels for credit card repayment. You can transfer money directly through online banking or mobile banking. As long as the money enters the credit card account, it will be considered as repayment.

Excuse me, can I directly deposit money into my credit card to calculate repayment?

Direct deposit into a credit card is considered as credit card repayment, but if the credit card has no arrears, there is no interest on deposit into the credit card, and there is no interest on deposit with the credit card. Excess deposit is equivalent to a short-term increase in the quota.

Common credit card repayment methods in China mainly include the following categories:

Intra-bank repayment: repayment methods mainly include: counter of issuing bank, ATM, online banking, automatic transfer, telephone banking, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Mobile phone repayment: Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Received immediately.

Convenience Store Repayment: Convenience Store Repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. It usually takes ~ working days to arrive at the account, and there is no handling fee for repayment in this way.

Online repayment: The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Choose different platforms and banks, and the charging standards and specific arrival time are different.