Many consumers have used credit cards to withdraw cash, but many people are still confused about the repayment bill because there are both cash withdrawal and consumption during the bill period. Do consumers repay the cash withdrawal part or the consumption part?

The repayment order of banks in the billing period is generally expenses, interest, cash withdrawal transaction principal and consumer transaction principal. At present, the deduction order of several state-owned commercial banks is based on the principle of benefiting consumers' repayment. That is to say, if cash withdrawal and consumption are mixed together in an account period, because interest is calculated on a daily basis for cash withdrawal, then when the repayment arrives, the issuing bank will deduct the amount withdrawn by the consumer first, and the rest will be used as the repayment of your consumption amount, which can prevent consumers from paying more interest.

For example:

The cardholder's billing cycle is 25th of each month, and cash is withdrawn from 500 yuan on June 5438+05, spent in 500 yuan on June 16, and withdrawn on June 18/500 yuan. A one-time repayment of 2300 yuan on the 26th. After receiving the repayment, the bank will deduct the card reader's withdrawal fee, then calculate the withdrawal interest to deduct 500 yuan and 1.500 yuan, and after deducting the remaining cash withdrawal principal 1.500 yuan, repay the consumption part. Consumer interest should be calculated for the insufficient part.

Can I withdraw my credit card? How can I pay it back when I repay it?

You can withdraw cash by credit card, and you can pay back the credit card directly. If your credit card is associated with an automatic repayment account, it can also be deposited in the repayment account and other banks, and will be automatically deducted when it expires.

After the credit card is cashed out, you can deposit or transfer money through ATM. Of course, you can also repay credit cards through third-party platforms such as WeChat or Alipay. However, it should be noted that credit card withdrawal is not interest-free, and the bank will calculate the interest at five ten thousandths, so the interest will be returned together when the repayment is due.

Credit card repayment method:

1. repayment at the bank counter: go to the bank counter and give your credit card and cash to the teller and explain to him that you want to return the credit card. The teller will handle it for you.

Advantages: It doesn't need too many operations, as long as you can find the issuing bank, you can get the account immediately.

Disadvantages: Tired of running around, if the issuing bank is far away from you, it is very hard every month.

2. Automatic deposit machine repayment: The bank is closed and your credit card has not been returned. What should I do? Go to an automatic deposit machine where you can deposit money, insert your credit card into the deposit machine, click Deposit, put your money in the bill entrance, and pay back according to the prompts.

Advantages: Even if the bank is closed, it can still repay the loan and open 24 hours a day. Received immediately.

Disadvantages: It often happens that RMB is spit out by the deposit machine after being folded. Sometimes it has to be repeated many times. Tired of running, find a card issuer with a deposit machine.

3. Online banking repayment: log in to the online banking of your issuing bank and repay the credit card with a savings card. Cross-industry is certainly possible, but there is a handling fee.

Advantages: Credit card repayment can be made without leaving home. Received immediately.

Disadvantages: complicated operation. There will be a handling fee for cross-bank repayment. Although online banking has introduced many security measures, there are still many friends who don't like to open online banking. Afraid of insecurity.

4. Repayment on the third-party payment platform on the mobile phone: Credit card repayment can also be made through the mobile phone.

Advantages: repayment anytime and anywhere. There are preferential activities from time to time.

Credit card repayment time

The credit card will bill once a month, and the user is not required to repay after the bill is issued, so the credit card will repay once a month. However, in the process of using the credit card, some users will choose to prepay and prepay the amount, so users do not need to repay again. Credit card repayment can choose full repayment, minimum repayment and installment repayment, and different repayment methods have different charging rules.

If you want to use a credit card interest-free, you must choose full repayment. If you have insufficient repayment ability, you can choose the minimum repayment amount or installment repayment.

How to repay the credit card after cash withdrawal?

How can I repay cash from my credit card?

Of course, you can pay it back by online banking. Add your credit card account to your online bank, and then use your other bank cards to transfer money to Chu's card in online bank. There is no handling fee for online transfer of cards issued by peers. You can also bind the credit card to the bank card, so that when the repayment time comes, the bank card will automatically transfer the money to the credit card, so don't worry about forgetting to pay it back.

How does China Merchants Bank withdraw credit card repayment? For example, how to withdraw 3000 cash? How to return it?

In case of withdrawal, in addition to the withdrawal fee, interest will be calculated immediately from the day of withdrawal, with a daily interest rate of five ten thousandths, so the earlier the repayment, the better.

Before the repayment date, the repayment will be fine.

There are many channels for repayment.

Online, self-service terminals, counters, etc.

How to repay after China Construction Bank withdraws cash from its credit card? 5 points

According to the deduction order of CCB repayment, the repayment will be deducted from the recorded fee transaction (for the landlord, it is the unbilled cash withdrawal fee), then the unbilled debt, and finally the unbilled debt (the cash principal is deducted first, and then the consumption part is deducted).

Therefore, if the landlord has paid the last bill, but this bill has not been paid now, it will still be 20 10 yuan (withdrawal fee = 0.5% of the withdrawal principal = 20,000.5% =10 yuan, and the withdrawal principal is 2,000 yuan), and interest will stop.

As for interest, the landlord took it yesterday and paid it back today. If the withdrawal is successfully deducted, it is actually only one day, that is, 1 yuan (withdrawal interest = 0.05% of the withdrawal principal, interest-bearing days = 20000.05% 1 = 1 yuan), which is recorded on the latest billing date, and there is no need for emergency repayment.

If the landlord has other questions, you can ask.

How to repay after that?

Withdrawal cannot be paid in installments, but only in installments. Moreover, although the withdrawal fee is exempted, the daily interest of 0.5% is still charged. Pay him back as soon as you have money, or you will pay him interest for nothing. 1000 yuan 50 minutes a day, 10 5 yuan, enough for a meal.

Repayment can be made directly to the bank counter and deposited in your card.

You can also establish a relationship with your deposit account, and he will directly withdraw it on the repayment date.

Or transfer money from another bank card, the transferor will have to pay the inter-bank handling fee.

Or deposit the corresponding amount of money in the credit card in advance to avoid paying interest to the bank.

I think it is more convenient for your family to deposit money directly into your account.

You can also charge your classmates with mobile phone fees as consumption, and the money given by your classmates can be deposited on this card as repayment. But this is just robbing Peter to pay Paul, and it will be paid back eventually.

Students should learn how to manage money, have a good consumption concept and control their own consumption desires.

Credit cards are the devil. Stay away from stocks and credit cards.

My classmates asked me why there was a repayment date.

Repayment date refers to the last repayment date of consumption, and overdue fines and interest will be charged.

Repayment date and bill date are different. Remember your repayment date and repay before this date. Whether it is consumption or cash withdrawal. Consumption can be delayed until the repayment date, and the withdrawal must be made as soon as possible, and the interest will be paid for one more day.

You can go to your online bank to check your repayment date, or you can call him and ask him when your repayment date is.

If you don't pay it back within the time limit, he will call for it. If it is not paid in two months, your credit card will be frozen and blacklisted in the national credit information system, which will affect your future credit. In the future, everything you buy will be affected when you borrow money to buy a house, a car and so on.

Now people actively use credit cards, not only for those worthless points, but also for the convenience of using money in the future.

Can I transfer the money directly to the credit card after cashing it out?

Hello, yes, if China Merchants Bank pays by credit card, you can transfer money or deposit it in a credit card account for repayment. Credit card repayment can open the functions of bank savings card and credit card automatic deduction, and can be repaid through online bank transfer, through third-party merchants such as Taobao, and through Lacarra credit card. You can also log in to the credit card mobile banking, choose repayment management-quick repayment, and choose other banks or China Merchants Bank debit cards to repay, without opening functions and handling fees, and get the account in real time.

You can click this link to learn about our credit card repayment methods in cc.cmbchina/...443db4..

Do you pay by credit card in cash or by credit card?

After the credit card is cashed out, the first thing to be repaid is the cash part, followed by credit card consumption or online payment. Because, normal consumption, there is an interest-free repayment period, generally 20 days after the settlement date. But there is no interest-free repayment period for cash withdrawal. From the moment of cash withdrawal, there will be cash withdrawal fee and late payment fee. Because the original intention of credit card is to encourage consumption, rather than overdraft cash withdrawal, this is a disguised loan to take the current behavior, so the cost is high.

Repay the cash withdrawal first to recover the bank's cash loss. As for the borrowing behavior of consumption, it can be postponed to the final repayment date or even partially repaid. In order not to charge extra fees and increase the burden on customers. The setting of every bank is to return the cash first.

Is it appropriate to withdraw cash from credit card for repayment?

Let me help you analyze it. If there is no other way, if your current bill is not generated by cash withdrawal, it is still appropriate for you to withdraw cash, but the interest charged every day is 3.5 yuan, but this is calculated from the time you withdraw cash. If you don't change it, it will be calculated according to the date of your consumption, and the interest will be more. If you paid 13000 in cash before, it's not bad to pay back the cash. The interest has not changed, but at least you can maintain your credit record.

How to repay the credit card of China Bank after cash withdrawal?

Just deposit it directly at the counter, or transfer it to this card with other savings cards. Of course, online banking can also transfer money. The daily interest rate of a credit card is about five ten thousandths of a day, and 100 should be ten cents for two days. However, when you withdraw your credit card, the cash handling fee will be deducted from the card. 2 yuan, just save a few more.

How to repay after that?

Post-repayment sequence:

Pay the interest and installment fee of the current bill first;

Repay the cash withdrawal amount on the current bill;

Then return the credit card cash installment, credit card loan principal and the principal after general consumption installment on the current bill;

Finally, pay the ordinary consumption on the current bill. If the current bill is paid off, there is still remaining repayment, and the withdrawal amount will not be paid.

How to operate installment repayment after credit card withdrawal,

The part directly withdrawn by the credit card cannot be repaid in installments, and interest of five ten thousandths will be charged from the date of withdrawal.

Credit card cash installment is to apply first, then transfer the credit card amount to the cardholder's savings card, and then withdraw it for use. So you can repay the loan in installments.

How to repay credit card withdrawal

You can also do this:

1 The earlier the repayment, the better;

2 The minimum repayment amount cannot be selected;

3 Multi-channel repayment. There are many channels for withdrawing cash by credit card. You can choose to log in to online banking or mobile banking, credit card APP to repay, or you can repay directly on third-party payment platforms such as Alipay.

Credit card financing strategy:

1, control the number of credit cards, enough is enough.

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.

2. Keep credit card vouchers

Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.

For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it is not cost-effective to use it or use it as a passbook.

Step 4 choose the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.

5. within the maximum consumption limit of credit card, swipe your card as much as possible.

Every credit card has a limit. If you swipe your card within this maximum, you are safe. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to asking the bank to repay you in advance when you buy something, why not return it to the bank on time on the repayment date? On the one hand, it is more convenient for consumption, on the other hand, it can accumulate credit, and the bank can also charge the merchants a handling fee from the amount of your credit card, which can be described as a win-win situation.

6. Repayment will not be made until the repayment date.

Use the last repayment date to earn more interest. After all, the money is in your account, and the interest generated is also your own, so you should make full use of the opportunity of the money in your own hands and let it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for an extension of repayment 1 to 2 days. Generally, this situation will be allowed.

How to return it?

After that, the repayment method is the same as that of credit card consumption, and it can be repaid through online banking, mobile banking, business outlets, SMS, self-service equipment, third-party companies and other banks. Cardholders can choose according to the actual situation.

After that, the withdrawal amount is included in the credit card repayment bill, and the cardholder only needs to repay according to the repayment amount shown in the bill. If the cardholder has insufficient funds, he can choose the minimum repayment amount. Through the minimum repayment amount, the cardholder's personal credit will not be affected, only a certain amount of interest will be generated. Generally, 10% of the payable amount needs to be returned.

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.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

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.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

You can choose these methods for how to repay the credit card withdrawal.

Credit cards are widely used in life, but many people use them to withdraw cash. So how should they repay after using credit cards to withdraw cash? Do you usually pay attention? Let's give you a detailed introduction, so that you can return the credit card arrears in time after withdrawing the cash.

Users can withdraw cash from credit cards through different channels such as bank counters, ATM machines, online banking, mobile banking and third-party platforms. Users can choose according to their actual situation. When the withdrawal amount is returned, it must be paid off in one lump sum, and installments are not allowed.

Banks will charge a certain fee when withdrawing credit cards, and different banks will charge different rates. Moreover, after the withdrawal, they will charge interest every day, with a daily interest rate of five ten thousandths, until the user returns the full withdrawal amount. In order to avoid paying too much interest, users should pay back as soon as possible after withdrawing cash by credit card to avoid generating high interest.

At present, credit card withdrawal usually has a limit. Usually, the maximum amount of credit card withdrawal is 50% of the credit limit. It is worth mentioning that there will be a limit to the amount of cash withdrawn each time. Most users withdraw cash through ATM machines. If you want to withdraw more money, you can go to the bank counter.

When using credit cards at ordinary times, users should try not to withdraw cash, because the cost of using credit cards to withdraw cash is relatively high and the repayment burden is also increased. In fact, users can borrow money from friends around them when the withdrawal amount is not much, which can avoid the expenditure of interest and handling fees.

Users usually use credit cards as much as possible, and do not use credit cards to withdraw cash. It should be noted that there will be penalty interest if the credit card cannot be repaid on time after use. The longer the time, the more penalty interest will be. Overdue repayment will also affect personal credit information, and poor credit information will affect the handling of various loans.

This is the end of the introduction about how to repay the credit card withdrawal amount and what to do if the credit card withdrawal amount is not enough. I wonder if you have found the information you need?