How do you pay off your credit card?
At most, I had more than 10 credit cards. Currently, I only have two credit cards, Bank of China and Transportation. One has a limit of 100,000 and the other has a limit of 60,000. The others have been sold. The main reason for selling it was that it was troublesome to use it and to pay it back. If I sold it, I would have less trouble. Let me briefly talk about how I repay my credit card:
1. Credit card repayment methods
There are generally three repayment methods: full repayment after the bill is issued, and bill repayment in installments , and minimum repayments.
Repay in full. Individuals now repay the bill in full after the bill is issued, or repay a few points every day after the bill is issued. The main reason is to obtain Alipay's ant feed, which must be exchanged before the repayment date.
I have used installment repayment for bills when my personal funds were tight. I have used it stupidly after hearing people say that installment can increase the amount, but I personally feel that the interest and handling fees together are almost 10%, which is not good. relatively high. After several installments, it is no longer needed.
The minimum repayment amount, the interest and handling fees are horribly high, I have never used it personally, and I suggest you use it only if you have no other choice.
In addition, individuals sometimes repay as they consume.
2. Credit card repayment methods
There are many credit card repayment methods. I will only talk about my personal repayment methods.
1. Repay via cash counter or ATM. This was used 6 or 7 years ago, but is basically no longer used this way.
2. I think it is more convenient to repay via Lakara, but there is a handling fee every time (I don’t know if it still exists now), which is quite annoying, and I don’t use it now.
3. Repayment via WeChat requires a handling fee and then transferred to Alipay.
4. Alipay repayment, mainly because you can get feed for chickens every day, and you can pay back 10 yuan or 8 yuan a day.
5. For online banking transfers, if WeChat charges a handling fee and your Alipay balance is insufficient, use online banking to transfer funds.
6. UnionPay QuickPass is now the main repayment method, it is convenient, there is no limit on the amount, and there is no handling fee.
Whether it is credit card consumption, this, that IOU, this payment, that APP, all borrowed consumption must be repaid in the end. It is okay to provide emergency services, but it is recommended to consume within your means.
First answer the main question: Full repayment in multiple batches through multiple channels!
Those who have more than half a year of experience in using credit cards must understand one thing: credit cards must not only diversify consumption, but also require diversification, multiple channels, and full repayment!
There are two reasons. One is that for the bank itself, in today's Internet information age, the bank not only needs to know more about your central bank credit report, but also needs to know more about your personal big data.
Needless to say, the central bank has a credit report. Banks have the right to inquire, but big data must be obtained from your daily consumer spending and Internet financial loans! You let the bank know more about your positive information. Your limit, your limit increase speed, and your back-end loan will definitely have an advantage over others! The second is that for you personally, the creation of high-quality big data is inseparable from consumer spending and your loan relationship with the bank. Multi-channel repayment is conducive to creating your personal high-quality big data!
There are many channels for credit card repayment, but there is no free lunch in the world. There are only a few platforms that do not charge fees or limits! Today, I will introduce to you a few platforms that are free of handling fees, which are also the platforms that I personally prefer to use in my daily life, for your reference! There are Alipay, MYbank, UnionPay, JD Finance, Suning Finance, Yipay, ATM machines, our bank’s debit cards, credit card APP backend repayments, etc.!
We only focus on online channels, which are convenient and easy to operate!
1. Cloud QuickPass
Each credit card can make 5 repayments per month, and the repayment is required to be no less than 10 yuan
2. Alipay< /p>
The monthly limit is 2,000. Although the limit is small, it can be repaid in multiple installments. Again: if you have it, you must have more
3. Online Banking
< p> There are not many banks connected to it, and not every bank can repay with credit card. The limit is not limited, which is very generous compared to Alipay. It may be because Alibaba is promoting online merchant banking!4. Jingdong Finance
Each bank has a free repayment limit of 10,000 yuan. It has more banks than online merchant banks, but most city commercial banks still don’t have it!
5. Suning Finance
As a new generation of e-commerce companies, Suning is backed by Suning Bank, but the free repayment amount is a bit stingy. 10,000 free credits!
6. Yipay
Everyone knows that Yipay is owned by China Telecom, but not many people use it for credit cards. Like Suning, it offers free repayment of RMB 10,000 per month. Quota!
7. Debit card repayment and credit card APP repayment
1. Repayment on our bank’s debit card client
Here I would like to say something for friends who have many cards. For a moment, it doesn’t matter if you have one or two cards. Holders of more than six credit cards may not apply for the bank’s savings card for every credit card.
But I need to explain that it is best to get a debit card after getting a credit card. Deposit cards still have many uses!
a. The credit card limit increase is actually closely related to the usage of the debit card. If you want to increase the limit, you have to use the bank's debit card to make more transactions, spend more money and transfer money to increase the viscosity!
b. The advantage of our bank’s debit card is that the repayment is received immediately, without any delay. When the last day of repayment comes, only our bank’s debit card can save you!
2. Bind repayment to credit card APP
When you apply for a credit card now, there will be an item to bind repayment. My suggestion is that it is best to write it down, whether you have it or not. Our bank’s savings card, not only guarantees your repayment, but at least serves as a reminder for you on the repayment date!
8. Repayment is a technical skill
1. If you want to reduce your debt and don’t want your credit debt to be too high, you can advance the bill date one day and repay it through the bank’s savings card APP. Instant payment can play a role in shielding debt!
2. Bills are issued and repaid normally
a. The bill must be paid on the first day it comes out. The repayment amount is about 25, which must cover the minimum repayment amount. Use Use our bank’s savings card APP to pay back
b. The repayment cannot be paid off at once, and the repayment frequency cannot be too fast. You must repay and swipe the card at the same time to pay off the bill
< p>c. Diversification, multiple channels and repayment sequenceIn general, the repayment ratio is 25% each for debit cards and credit card bindings, and the remaining 50% is paid off through other channels.
The repayment ratio is to pay 25% to the savings card as soon as the bill comes out, covering the minimum repayment first to ensure it is not overdue.
Except for deposit cards and bank credit cards, which are credited immediately, repayments through other channels are delayed for a certain period of time, so you cannot pay the minimum repayment amount on the repayment date or the grace period!
The above are some of my experiences in paying off credit cards. I hope it will be helpful to you!
I have a credit card, which is the Bank of China Platinum Card with a limit of 50,000 yuan.
The credit card is bound to WeChat, so payment by credit card is the priority for daily expenses, and it is also very convenient to use.
Moreover, by spending the money in your credit card, you can save your own money for financial management and other things, and you don’t have to bear the handling fees yourself. As long as you repay the money on time, there will be no interest, so why not?
But I am always worried about missing the repayment period and forming a bad credit record. Although the final repayment period is the 12th of each month, pay attention to check the statement around the 29th of each month. Find out how much you need to repay that month, and then pay it off in one lump sum.
I have never done any installment payment, but the customer service of Bank of China is really annoying. Whenever I find that there is a large amount of consumption in any month, I will call every three days to promote the benefits of installment payment. What a shame. Zero interest rate, wait. Zero interest rate is correct, but why didn’t you tell me there was a handling fee? Isn't this misleading consumers? The key is that I only use credit cards for convenience and am not interested in these things. So, one time I got really annoyed and gave the other person a hard talk, saying that he was suspected of harassment and wanted to file a complaint. Since then, similar harassing calls have basically disappeared.
The most important thing when using a credit card is that it cannot be overdue, otherwise it will affect your personal credit record. Especially if you are the legal representative of a company, once you anticipate that it will directly affect the company's loan from a bank, you often need to go to the relevant bank to write an explanation to prove that the default is not malicious, which is quite troublesome to deal with.
Hello, I am a small coffee from Zhongyuan.
Credit cards have become an increasingly important financial tool in people's lives, providing great convenience to everyone and relieving the financial pressure of some people. Of course, it is convenient but you should remember to repay. The bank very considerately provides you with 3 repayment methods.
1. Full repayment
In this method, the cardholder pays off all the bill charges before the repayment date. If the bill amount is larger, the repayer needs to There is a certain financial strength, which is a preferred method by banks, indicating that the cardholder has sufficient spare funds. If you are under pressure to repay, you can choose the following repayment method.
2. Installment repayment
Instalment repayment is a method introduced by banks for cardholders who cannot repay in full and are under financial pressure. Your own financial strength is divided into 12 periods, 18 periods, 24 periods, etc. While easing your own pressure, the bank can earn a certain amount of interest and achieve a win-win situation.
3. Minimum repayment
The minimum repayment is generally 10% of the bill amount that needs to be repaid, but the bank will charge interest, which is 0.05%, and is calculated using compound interest. , this repayment method will not affect your credit score, but the amount of interest is relatively high, which seems to alleviate the repayment pressure, but the bill will get bigger and bigger.
In short, everyone can choose the repayment method according to their own strength. I personally do not recommend the minimum repayment.
In the era of credit consumption, credit cards have become our most commonly used consumer payment tools. Credit cards have two dates, one is the billing date, and the second is the repayment date, but when repaying , it is easy to become overdue, so what is the best way to pay off a credit card?
1. Three methods of credit card repayment
Credit card repayment is divided into three methods, one is full repayment, the second is minimum amount repayment, and the third is installment repayment. payment.
1. Full repayment
Full repayment means paying off all the fees on the billing day before the repayment date. This repayment method is full repayment. Repayment in full enjoys the interest-free period of the credit card and will not incur any charges other than the consumption amount. Generally speaking, users who have fully repaid their funds are relatively consistent with their spending power, have relatively stable income, excellent credit reports, and long-term on-schedule repayments. Banks will classify such users as high-quality users, and they will be favored for subsequent credit card limit increases. help.
2. Minimum repayment
The minimum repayment is the minimum threshold for monthly repayment, but the unpaid portion will not continue to be interest-free. Therefore, interest will accrue. This part of the interest is calculated based on 50,000 per day. Therefore, unless it is used in the short term, it will actually increase the repayment burden due to interest in the long term.
3. Installment repayment
Many installment repayments now have 0 interest rates, but the handling fees are relatively expensive. Installment repayment is suitable for longer periods when funds are tight. It can be divided into 6 periods, 12 periods, 18 periods, 24 periods, etc. Among them, the monthly unit price of handling fees is the lowest in December, but in fact, the overall handling fees are still lower the shorter the period. You can choose according to your actual situation.
2. Repayment Techniques
The above three are the three most basic repayment methods. However, there are still techniques for making repayments.
1. Make reasonable use of the interest-free period
The interest-free period of a credit card is generally about 45-50 days, but the difference between the statement date and the repayment date should not exceed 30 days. Therefore, how can we effectively utilize the longest interest-free period? The principle is very simple, that is, make part of the repayment before the bill date, thus releasing the credit limit, and the consumption after the bill date will be included in the next month's bill, and the repayment date is also the repayment date of the next month. This is an interest-free period. It has been fully utilized.
2. Repay in batches
After the bill comes out, we can repay in batches before the repayment date, thus releasing part of the consumption limit and ensuring Credit cards can continue to be used for consumption, and in addition, the minimum credit card repayment limit can be reached to ensure that there will be no overdue payments. Basically, keep the frequency of using your credit card while making repayments, and just pay off the remaining balance on the due date.
In summary, the three major repayment methods for credit cards are full repayment, installment repayment and minimum amount repayment. You can also use some tips to repay, which will not only help increase your limit, but also It can also increase the flexibility of your own funds and avoid overdue funds.
There are many ways to pay off your credit card.
1. The credit card is associated with your own savings card, and the money is automatically deducted from the savings card account and repaid to the credit card every month.
2. Manual transfer. Every month, you can repay the credit card through mobile banking or online banking transfer, or go to an ATM machine to make a self-service deposit to repay the credit card.
3. When you encounter financial constraints, you can take the following methods:
(1) Pay the minimum repayment amount of your credit card. This will not affect your credit report, but you will have to pay Interest, and interest on the entire repayment amount (interest will also be calculated on the minimum repayment amount that has been paid).
(2) Bill installment. According to your own capital arrangement, it can be divided into 6 phases, 12 phases, etc.
There are three main ways for us ordinary people to repay credit cards;
The first is to repay through official online credit card channels such as mobile banking and online banking.
This method is currently one of the most widely accepted and most convenient forms. As long as the bank card and debit card have opened online service functions and there is sufficient balance in the debit card, we can complete the repayment operation with just a few clicks. In addition, through online banking and mobile banking channels, we can also set up the automatic repayment function to avoid the trouble of manually remembering the repayment date.
The second is to repay through third-party channels such as Alipay and WeChat.
This is also one of the favorite methods of our young friends. Compared with online banking and mobile banking, young people are more willing to send money to Alipay and WeChat, so that they can get considerable income on weekdays, and also You can make credit card repayments at any time and enjoy certain repayment discounts, which is indeed more convenient.
The third is to repay through the bank counter. This method is suitable for middle-aged and elderly customers who are not used to online operations. Then go to a nearby bank outlet to pay cash once every month before the repayment date. Still feasible.
To sum up, the daily repayment methods of our people are mainly divided into online and offline. Online repayment can also be divided into official credit card channel and third-party channel repayment, which can basically satisfy Our daily repayment needs.
I have currently used three methods to repay credit cards. The various situations are as follows:
Alipay
From the time I first used a credit card, I have used Alipay to repay credit cards. Credit card is very convenient. There is no need to go to the bank or handling fees. However, some of Alipay's systems have since changed. Each person has a free repayment limit of 2,000 yuan per month. When the monthly repayment amount exceeds 2,000 yuan, a handling fee will be charged. Therefore, now I usually choose to use Alipay for small repayments.
Mobile Banking APP
My credit card is from Bank of China, and I also have a debit card from Bank of China. When there is a relatively large repayment and the balance of the Bank of China debit card is sufficient, I will make the repayment through the Bank of China mobile APP. The advantage of this repayment method is that there are no handling fees for large repayments.
Cloud QuickPass
Cloud QuickPass is a UnionPay card management and mobile payment software. This software also has no handling fee for credit card payments. I usually use UnionPay to repay under the following circumstances.
For example: My UnionPay QuickPass is bound to a Bank of China debit card, Bank of China credit card and China Construction Bank debit card.
If I need to repay 10,000 yuan, but the balance on my Bank of China debit card is insufficient, and the balance on the CCB debit card is enough for 20,000 yuan, I will choose to repay in this way. After all, there is no handling fee. No more trips to the bank.
Finally, I hope everyone will cherish credit, consume rationally and rationally, and a gentleman loves money and gets it wisely.
Alipay is free, just add a credit card
Credit cards are so familiar to modern people. They swipe credit cards when eating out, watching movies, buying clothes, going to the supermarket, buying cars, etc. , many people have formed the habit of using credit cards for consumption. When Gudong was young, he often used credit cards to make purchases, but as he got older, he suddenly gradually returned to the original payment method. In other words, when you earn more, spend more, and when you earn less, spend less. Now it seems that a bunch of credit cards have become collections.
The only reason I have to swipe it a few times a year is to avoid the annual fee on my credit card. Many banks' credit cards require several transactions a year to avoid deducting annual fees. When it comes to how to repay a credit card, there are three main repayment methods:
The first and most common repayment method is to repay the monthly minimum amount, because there will be a minimum amount according to the ratio. The second way to repay is to repay as much as you have. For example, if you have some spare money, repay more, and if you have less spare money, repay less. The third option is to repay the loan in full every month, so as not to procrastinate for too long and accumulate more and more.
Gudong is generally the third method of repayment. I always feel that it is not good to owe money, so I rarely pay debts. This is also a manifestation of integrity. I hope it starts with me. What's more, if you accumulate credit cards, there will be additional interest. You won't feel it is much if you spend hundreds or thousands of dollars, but you will easily feel it if you spend tens of thousands or hundreds of thousands. Therefore, it is recommended that people who use credit cards should pay off their credit cards as soon as possible and get rid of the burden as soon as possible!
How to repay a credit card?
Credit card usage and repayment methods: The use of credit cards must follow the principles of compliance, moderation, authenticity, etc. The cardholder must be within the scope of use specified by the bank. Use the credit card limit within the limit, and cashing out and lending credit cards is prohibited. The main repayment methods include: linked debit card repayment, self-service transfer repayment, cash repayment, and installment repayment.
First, there is a function in credit card repayment called "minimum repayment amount", which means repayment is carried out according to the minimum repayment amount stipulated by the card issuing bank. The minimum repayment amount is about 10% of the bill amount. However, only paying the minimum repayment amount will cause some problems:
1. The bank will charge the unpaid portion at a rate of 50,000 per day from the bank accounting date to the repayment date. Loan interest;
2. Paying the minimum repayment amount will make the bank think that the cardholder is short of money, which is not conducive to improving the overall credit card score;
3. Paying the minimum repayment amount will Letting the credit card debt ratio increase will not be conducive to subsequent increases.
It is recommended that if you have the ability to repay, you should choose to repay in full. After all, it is not cost-effective to pay the minimum repayment amount and pay a large amount of interest.
Second, a credit card is a credit product, that is, the bank lends the cardholder a sum of credit funds, which must be repaid, but the credit card has a certain interest-free period, which allows the cardholder to Using the funds in your credit card for free during the interest-free period is equivalent to delaying the money you owe the bank until it can no longer be delayed, and you don't have to pay interest.
Third, credit card repayment methods:
1. Over-the-counter repayment: Take your credit card to the counter of the bank where the credit card belongs to make repayment, but this repayment method not only goes to It is troublesome to go to the bank by yourself, and queuing up to register is also a waste of time, so many people generally do not choose this method.
2. Use ATM for self-service repayment: It mainly refers to depositing money into a credit card at the ATM to repay the loan. However, since you can only deposit a hundred dollars at the ATM, it is not particularly flexible, and The distribution density of ATMs in cities is not high, so many people will not choose this repayment method.
3. Linking other bank cards for repayment: refers to binding the credit card to the debit card of the same person for repayment. After the binding is successful, the bank will automatically deduct money from the bound debit card for repayment on the monthly repayment date. As long as the money in the debit card is ensured each month and there is enough balance to pay off the balance of the previous bill period, Just borrow money. This method is convenient and efficient, and you don't have to worry about overdue matters. It is the choice of many credit card users today.
How to repay the temporary limit of a credit card?
The temporary limit of a credit card needs to be paid off in full before the credit card repayment date. It cannot be repaid in installments. Overdue payment will not affect the personal credit report, thereby causing the user to Services such as bank loans cannot be used. There are many ways to repay the temporary limit of credit cards. Users can repay through bank counters, online banking, ATMs, Alipay, WeChat payment and other channels.
In terms of temporary quota application, different banks also have different requirements. For example, the application for a temporary quota for CCB credit card needs to be separated by one month from the last application. The temporary quota has an validity period. After the validity period, it will automatically return to the original quota. , the temporary quota of China Construction Bank is valid for 3 months.
To apply for a temporary limit for ICBC credit card, the user needs to have opened the card for more than half a year, the monthly credit limit is close to the total credit limit, and there is no overdue repayment. The temporary limit increase for ICBC credit card is valid for up to 60 days. After the validity period, it will be automatically reduced to the original limit.
CITIC Bank credit card can apply for a temporary limit increase 3 months after opening the card. Users can apply through CITIC Bank’s customer service phone number. The bank will allocate credit based on the applicant’s credit situation and repayment ability. Quota. The temporary limit increase for Bank of Communications credit card is valid for 2 to 3 months. The temporary limit cannot be used repeatedly and will automatically return to the original limit after expiration. The amount of the temporary limit depends on the judgment of the Bank of Communications system.
The temporary limit of Guangfa Bank’s credit card is valid for 25 days to 90 days. The limit that users can increase is 10% to 50% of the original limit. The final limit needs to be determined by the bank based on the applicant’s credit status and repayment. Judgment based on financial ability.
The temporary limit of Industrial Bank credit card is valid for 1 to 3 months. The application for temporary limit requires the user to hold the credit card for more than 6 months. The next temporary limit can only be made after 3 months of applying for temporary limit increase. amount application.
The increase in the temporary credit limit of Agricultural Bank of China credit card requires that the cardholder has no bad credit record, has a consumption record every month, and the consumption amount is more than 30% of the total credit limit. Agricultural Bank of China credit cards are valid for 25 to 90 days.
: Things to note when using credit cards:
1. Use installment payments with caution
A very expensive thing requires you to spend so much money at once It will definitely feel painful to pay, but when they tell you "Dear, we can pay in installments!" you will definitely be very happy to take it home. Because when a broken plan is put into your daily expenses, you won't feel so painful and you will feel like you are getting a good deal. In fact, apart from the fact that your amount of money may only be slightly more than if you paid it in full and there are handling fees, many people will think that this is nothing and it is affordable. But when you start to repay this part of the money in installments, your heart will change over time. The first few repayments will still make you feel very painful, and you will feel a little unaccustomed to using money. It always feels like a part of it has been set aside. In the following days, you begin to forget about this amount and feel that it is okay without it. It is difficult for this money to stay in your wallet for a long time. After you repay this part of the money, you will still continue to try to find a way to spend this part of the money, "Looks like I can buy something else, this The installment amount is what I can afford." OK, the merchant’s purpose has been achieved.
2. Repay in full
When you reach the repayment period, you will feel that you can just repay part of it. Anyway, your credit will not be deducted, just a little bit. Just interest. Oh my dear, I believe they are also happy for you to continue like this. After a year, you will feel that half of your salary has been contributed to the bank.
3. Develop a good habit of keeping accounts
Many people use credit cards for consumption, but they always feel that they still have a lot of money in their hands and have not spent it, so they spend it and buy You will feel as if you have double money for your things. Just use the card first and pay it back next month anyway. And with so much money in hand, you can still buy something else. In order to prevent you from spending more than you should, you need to have a clear financial management system to help you see where your money is going.
4 Don’t use multiple cards to support each other
Do you think you are really smart? You can use different repayment dates to take advantage of the loopholes, and use other banks' overdrafts to repay your bank's loopholes. Children, you have to know that this kind of thing is just something you do occasionally.
If you use this as a way to try to maintain a card, the circulation of information will quickly make it impossible for you to borrow money from other bank cards, making it difficult for you to repay your own loopholes, and then you will look for ways to borrow money everywhere. And borrowing money will eventually lead to a desperate situation where money is strangling the neck.
5. Keep the application form
Keep the receipt of your successful credit card application, and then leave the number on the back of your credit card. Then set up the credit card so that you don’t need to enter a password when swiping the card, only a signature is required. When your card is lost, you are solely responsible if your password is swiped when you swipe the card. However, if you do not need to enter a password but only sign, the bank is fully responsible. Of course, the best thing is to protect your card.
How to repay your credit card and quickly increase your credit limit? Have you done this?
Since the country has vigorously rectified lending platforms, credit cards can be said to have become a mainstream lending product, and bank credit card spending has penetrated into all aspects. However, some cardholders run out of credit card limits after using their credit cards, or have a fixed limit. This may mean that the credit card repayments are not done well.
I also asked many credit card holders and found that most of them do not make repayments until the final payment date. In this case, you can maximize the use of the interest-free period, but you want to increase the limit. , it is relatively difficult. The card issuing bank will not let us take advantage easily. Moreover, there are two disadvantages to repaying on the final repayment date. First, it increases the risk of overdue payment. If you forget the repayment date, or there is an urgent matter to deal with, you do not make the repayment because it is already the final repayment. date, there is no buffer, resulting in overdue. Second, it increases the financial pressure. The final repayment date has come, and full repayment is required. Funds are tight, so it is necessary to demolish the east wall to pay for the west wall.
Are you also using this repayment method? Welcome to leave a message in the comment area.
Today I have mainly classified three repayment methods, which are applicable to all credit card holders. Just follow the instructions.
First, eliminate the debt repayment method. Second, high-quality repayment method. Third, the leveraged repayment method.
The first way to eliminate debt repayment is to repay before the bill comes out. Repay 60% or 100%. In this way, no matter how much the credit card consumption is, when you issue the bill, it will be a small bill. Or 0 bills, this method is suitable for cardholders with loan needs.
Because of current capital loans, you need to check your personal credit report. If you see that your credit card is 80% or 100% debt, it will affect your loan approval. Use the debt elimination repayment method to repay and reduce Each issue of bills can reduce liabilities and obtain more funds for loans. Use both credit cards and loans to obtain more spare funds. The disadvantage is that the interest-free period is shorter.
Second, the high-quality repayment method is to repay the bill immediately after the bill is issued. This method is suitable for cardholders with relatively sufficient liquidity.
If you use this method to repay, the card issuer will determine that you have a strong desire to repay, have the spending power, and have the ability to repay, thereby increasing your personal credit score and helping to increase your credit limit.
Third, the leveraged repayment method is suitable for cardholders who have large liabilities, small funds, and the minimum repayment or installment repayment fees are too high to accept.
The leveraged repayment method is to use the 20-day interest-free period between the bill date and the final repayment date to repay while paying. For example, October 10th is the bill date, the bill amount is 10,000 yuan, and the final repayment date is October 30th. I only have 1,000 yuan in reserve. I will pay back the 1,000 yuan on October 11th. , at this time, the bill amount is only 9,000 yuan, and the credit limit on the card will be increased by 1,000 yuan. By October 12th, the 1,000 yuan will be paid out in two or three times, and then paid back on the 13th, and so on. Ten times, you can use 1,000 yuan to settle a 10,000 yuan bill. In the end, the 1,000 yuan is still 1,000 yuan in your hands.
How to pay off a credit card on WeChat
How to pay off a credit card on WeChat:
1. Enter "My Wallet" and you will see a "Credit Card" Repayment option. After clicking in, you will see the bound credit card.
2. Click on the bound credit card to enter the "Credit Card Repayment" interface, enter the repayment amount, click "Repay Now" and enter the payment password to complete the repayment.
3. There is no service fee for using WeChat to repay, but there are repayment limits and the arrival time is different. The credit card repayment limit is 20,000 yuan for single payment and daily payment, and 50,000 yuan per month.
I have some questions about how to repay my credit card limit and what to do