What's wrong with the credit card repayment?

Reasons for credit card repayment failure:

1. The bank account information is incorrect

The card holder may be careless and enter incorrect bank account number or name, resulting in repayment failure. It is recommended that cardholders re-verify whether the entered bank account information is consistent with the information of your account opening bank, and try repayment again.

2. Abnormal account status

After the cardholder discovers the abnormality, he needs to contact the bank as soon as possible to verify the status of the bank's credit card account. Whether there is any freeze, account cancellation, need to activate, etc. For example, if a credit card is overdue for a long time, the bank will usually freeze the credit card directly. Therefore, the cardholder will temporarily be unable to find this credit card when making repayment. At this time, it is recommended that the cardholder proactively call the bank service hotline to negotiate repayment.

3. The bank system is suspended

It is very likely that the credit card issuer's system is busy or is in an upgrade state, causing repayment to fail for a while. At this time, the cardholder can refresh page and reapply for repayment. If that doesn't work, you can choose other repayment methods, such as over-the-counter repayment.

The credit card repayment date, also known as the credit card repayment due date, refers to the last date when the credit card issuing bank requires the cardholder to repay the amount due. That is to say, after the card issuing bank issues the bill, you should repay it when it is due. Pay off all your previous expenses before the payment date. In fact, the repayment due date is the last day of the interest-free repayment period. Repayments before this date are interest-free. Overdue interest and late payment fees will be charged. The interest-free repayment period is different for each bank.

Notes

The due payment date is also called the final payment date. If you do not repay in full before the due payment date and do not choose the minimum payment on your credit card, If you repay the amount, the penalties you may face are:

1. All consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis from the day when the consumption occurs, using the consumption amount as the principal. , with a daily interest of 0.05% and compound interest calculated on a monthly basis;

2. Receive a reminder call and letter from the bank;

3. Freeze your account and will Your debt record will be fed back to the People's Bank of China and recorded in your credit file, which will affect your personal credit;

If you really do not have enough money to repay in full on the due payment date, then please choose a credit card Repay with the minimum repayment amount. In this way, you only need to repay 10% of the total cost in each installment. In this way, although there is no interest-free repayment period, personal credit will be avoided.

What’s the matter with Alipay credit card (debit card) repayment?

There are two main reasons for being unable to repay a credit card (debit card): inability to pay and repayment failure. Common reasons and solutions are as follows:

Repayment failure:< /p>

1. Repayment failure due to incorrect information: The information you filled in is inconsistent with the actual bank card information. If the bank deposit is not successful, the payment will fail. If there are uncommon characters, the chance of failure for ethnic minorities will be much higher.

2. Abnormal bank card status: The status of the credit card (credit card) you want to repay is abnormal. It may be frozen, reported as lost, etc., resulting in the inability to repay.

3. Network reasons: During the settlement process between banks and Alipay, bank liquidation failure due to network instability will lead to repayment failure. There may be more urban commercial banks. It is recommended that you try to repay at another time

Funds that fail to repay your credit card (credit card) will be returned via the original method within 3-5 working days. Please pay attention to the refund process.

Unable to pay:

1. Unable to repay due to limit: Credit card (debit card) repayment will have a limit due to different payment methods and repayment banks. If You are paying with a bank card. We remind you of the limit issue. It is recommended that you use your balance or Yu'E Bao to make the payment, or that the single amount should not be too high and be divided into two repayment attempts.

2. Unable to repay due to frequency reasons: Some banks have a limit on the number of times you can use Alipay to repay credit cards (credit cards). For example, China Merchants Bank, each card can be repaid up to 5 times per month. If the number of repayments is exceeded, Also unable to repay.

Why can’t you partially repay your CCB credit card?

The reasons why you can’t repay your CCB credit card may be due to the following reasons:

1. It may be that you haven’t slept for a long time. , go to the branch to confirm and check the status of the bank card. In this case, you cannot withdraw money. In this case, you can bring your bank card and ID card to any CCB branch to request for cancellation;

2. To see if your card has been frozen due to other reasons, just check the frozen registration book. If the card status is normal, check to see if the card is a second-class card. If it is a second-class card, you can only collect up to 10,000 per day, and the excess cannot be entered into the card;

3. If it is There is something wrong with the bank card used to debit the credit card. You can repay it manually, Alipay or online banking, or you can go to the bank to pay it

4. The bank card has bad transaction records, or the personal information has not been updated in time. The user After updating the personal information, you need to let the staff who handle the bank card know.

5. Consumers have paid multiple times in a short period of time, and are suspected of cashing out, etc. and other illegal behaviors. The system refuses to deduct money, which requires you to provide reliable proof of the user's bank card funds in and out.

6. If the repayment fails when the repayment number is incorrect, it is recommended to check the transaction records to see if the payment account information is correct. If the wrong payment is made, the money will be returned to the payer's account and the payment needs to be repaid.

7. If it is an inter-bank transfer, the funds will generally arrive within 2-3 working days after submission. It is normal for the funds not to arrive within this period of time. It is recommended to wait patiently.

If it is not for the above reasons, it is recommended to contact the bank to solve the problem

This is the end of the introduction on what to do if the credit card cannot be repaid or the credit card is no longer wanted. I don’t know what you will find from it. Got the information you need?