Many card friends usually use debit cards to transfer money and return credit cards. Sometimes debit cards and credit cards are not from the same bank and need to be repaid across banks. There are many ways to repay credit cards across banks. Here, we will briefly introduce the following common operation methods and related precautions.
How to operate inter-bank credit card repayment:
There are many common ways of cross-bank repayment by credit card, one is through ATM, the other is online repayment, and different repayment methods have different operation methods.
1, ATM repayment:
Insert the debit card of a bank into the ATM machine, enter the password to log in to the interface, click Repayment on the screen, enter the credit card, cardholder's name and repayment amount to be repaid by other banks, and enter the transaction password after confirmation, and the repayment is successful.
It should be noted that ATM machines return credit cards across banks, and the arrival time is different. Some of them may arrive within 24 hours, while others may take 2~3 days to arrive. In order to avoid untimely birth, it is best to repay the loan one week in advance. In addition, ATM repayment will also involve a handling fee, which is generally 65438+ 0% of the repayment amount, but there will be upper and lower limits, depending on the bank.
2. Online repayment:
Refers to inter-bank repayment through online banking, mobile banking and other third-party platforms. Here, we introduce the use of mobile banking of various banks or UnionPay China UnionPay Express APP for repayment. The repayment operation is similar. We all want to bind a debit card first, then enter the credit card and cardholder's name of other banks, and enter the repayment amount and transaction password, so that the repayment can be successful.
Usually, mobile banking and UnionPay China UnionPay Express APP don't charge fees for returning credit cards across banks, and they arrive at the account very quickly, basically on the same day. The specific arrival time depends on the collection time of the credit card issuing bank.
The above is the related introduction of "How to operate inter-bank credit card repayment", hoping to help everyone. In short, there are many ways to repay credit cards across banks. We'd better choose a way of free repayment and timely collection, and don't let ourselves suffer.
Credit card ATM repayment method of China Merchants Bank
Card friend Xiao Wu applied for a China Merchants Bank credit card, but he didn't know how to repay it, so he introduced one of the most convenient repayment methods-ATM repayment. As long as you find the ATM of China Merchants Bank, you can repay the money by yourself. Although it is not a good repayment method, it is more reassuring to operate by yourself. Let's have a look.
First, how to repay the credit card ATM of China Merchants Bank
There are two ways for CMB credit card to repay by ATM. One way is to repay at China Merchants Bank's own ATM, and the other way is to repay the credit card of China Merchants Bank through other ATMs. Details are as follows:
1. Bank ATM repayment
All ATMs of China Merchants Bank have a "credit card repayment" area, including an all-in-one deposit and withdrawal machine.
You can use this function by clicking "Credit Card Repayment" on the ATM screen. Even if you don't have a credit card, you can still repay it as long as you remember it. However, this repayment method only supports RMB repayment, not repayment.
In addition, using China Merchants Bank ATM repayment credit card not only supports cash repayment, but also supports debit card transfer repayment of any bank.
2. ATM of other banks and repayment
In addition to using the ATM of China Merchants Bank for repayment, you can also use the ATMs of other banks that have opened the inter-bank transfer function to transfer and repay the credit cards of China Merchants Bank.
However, this repayment method limits the repayment limit, and there is a handling fee for transfer repayment. For specific charges, please consult the debit card issuing bank or the local UnionPay.
Second, ATM credit card repayment precautions
Pay attention to the following four points when using China Merchants Bank ATM to repay credit cards:
1. ATM machines without cash deposit function only provide two repayment functions: "one card repayment" and "other bank card repayment".
2. It is the first time to use China Merchants Bank debit card (one card, sunflower, etc.). ) If you want to transfer money in the "Credit Card Repayment" area, you must have opened the "One Card Self-service Transfer Agreement" (which can be opened at our business outlets or online banking professional edition). If you use a debit card from another bank, you don't need to open it in advance.
3. When using other bank debit cards to transfer repayment to China Merchants Bank credit card through China Merchants Bank ATM, the transfer amount is an integer multiple of 50, and the single transaction limit is the same as the existing transfer bank UnionPay ATM cash withdrawal transaction limit standard, with a maximum daily limit of 20,000 yuan.
4. When using other bank debit cards to transfer repayment to China Merchants Bank credit card through China Merchants Bank ATM, the handling fee will be deducted from the transfer-out card according to UnionPay ATM withdrawal transaction standard. The specific charging standard is subject to the announcement of participating banks, and we will not charge any handling fee to customers for the time being.
Can ICBC's credit card be repaid at ATM?
ICBC credit cards can be returned at the ICBC ATM self-service deposit machine, and all bank credit cards can be deposited and returned at their own bank ATM self-service deposit machine, which is also received in real time.
The specific method is as follows:
1. First, enter China Industrial and Commercial Bank and look for a deposit machine or an all-in-one deposit and withdrawal machine, but there is no deposit function at the bank's ATM.
2. After finding the deposit machine, find the card slot and insert the bank card into the card slot.
3. When inserting a bank card, put the bank card face up and the magnetic stripe face down, and insert the card into the card slot.
4. After the card is taken out, the machine will automatically put the card in. At this time, just wait for the system to respond, and the system will let you enter your password later. Just enter the 6-digit password at this time.
5. After entering the password, you will enter the interface form of the deposit machine function, and choose according to the words with deposit on it.
6. Then enter the deposit amount type interface and select the corresponding deposit amount. If there is no corresponding amount, click Enter.
7. At this time, the entrance of the deposit machine will automatically open, and it is necessary to put the money into the deposit opening, and put it clearly and neatly.
8. The machine will hum and the deposit amount will appear on the screen. Then check it and click OK, and the deposit will be successful, and the saved money will go into the machine.
Can I repay my credit card at the ATM?
1. Credit card repayment can be made at ATM, which is no different from ordinary deposit or transfer. The change can be deposited in 100 to offset the change, and the overpaid part can be spent by credit card. If you don't want to pay more, you can choose to go to the counter to repay. There are many repayment methods, so you don't need to go to the bank.
2. You can repay through Alipay and bind the credit card.
3. Pay attention to the official account of the bank WeChat to repay.
4. You can download the bank APP and repay the money on the APP.
5. You can repay the loan by repaying the loan APP to reduce the repayment pressure.
Credit card repayment can be made by depositing money on atm, or you can transfer the money you need to pay back with a bank card with transfer function.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Main features:
1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.
3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
5. The use of cash currency can be reduced.
6. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
7. It can simplify the collection procedure and save social labor.
8. It can promote commodity sales and social demand.
ATM is the abbreviation of AsynchronousTransferMode(ATM), and it is one of the core technologies to realize B-ISDN services. ATM is a cell-based packet switching and multiplexing technology.
It is a universal connection-oriented transmission mode designed for various services. Suitable for local area network and wide area network. It has high data transmission rate and supports many types of communication, such as voice, data, fax, real-time video, CD-quality audio and images.
ATM adopts connection-oriented transmission mode, which divides data into fixed-length cells and exchanges them through virtual connection. ATM integrates switching, multiplexing and transmission, and adopts asynchronous time division multiplexing in multiplexing, and distinguishes different channels by the header or header of information.
This is the end of the introduction about how to pay back the credit card at the ATM and whether the bank ATM can pay back the credit card. I wonder if you have found the information you need?