You can use the mobile banking APP or the credit card APP to deposit money directly into the credit card.

Or use the credit card repayment function of WeChat, Alipay, JD Finance and other apps to set a repayment date, so that the system can automatically debit the credit card on the repayment date.

Users can also choose to use ATM to deposit money, either without a card or with a card.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

Car loan processing flow: First, the lender needs to prepare ID card, residence certificate, work certificate, loan purpose certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

How to deposit money by credit card?

Credit cards can save money.

Credit cards can deposit money into them, and the amount deposited in credit cards is called overpayment. Briefly introduce overpayment:

1. Some banks will charge a handling fee for the overpayment of cash withdrawal, of which the handling fee of Agricultural Bank of China is 65438+ 0% of the cash withdrawal amount, the handling fee of Xingye and Ping An is 0.5%, and the peers of China Industrial and Commercial Bank, Construction Bank, Transportation Bank, People's Livelihood Bank and China Everbright Bank are exempt from handling fees;

2. The overpayment is accumulated on the credit line and will be used first when spending by credit card.

Overpayment in your card will not generate deposit interest.

Extended data

The advantages of credit cards are as follows:

1. You can spend money without overdraft, and you can enjoy an interest-free period of 20-56 days, and you can repay on time without interest.

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.

5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

6. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.

7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently.

8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

10.400 telephone or 5-digit short number with prefix of 9 provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.

1 1. It is known that the validity period of domestic credit cards is generally three to five years.

12. Use the third-party platform for business cooperation and provide preferential services for cardholders.