How to repay a credit card loan

A credit card can be repaid at any time between the statement date and the repayment date. The billing date refers to the date when the bank sends us a debt statement, and the repayment date is the final date of repayment.

Credit card repayment methods generally include:

1. Repayment through the card issuer’s APP: After the cardholder downloads the card issuer’s APP, he or she can bind a credit card with sufficient balance to it. Debit card. In this way, you can make credit card repayments through the card issuer's APP before the repayment date arrives.

2. Repayment by automatic repayment business: If you also apply for a savings card at the bank that handles credit cards, you can open the automatic repayment business, and automatic repayment can be achieved when the balance in the savings card is sufficient;

3. Bank counter repayment: Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment at the counter.

4. ATM repayment: You can repay by depositing money at the ATM machine of the credit card issuing bank;

5. Third-party platform repayment: Alipay, WeChat, Duxiaoman Third-party platforms such as finance can also pay back credit cards.

How to repay a credit card?

1. Link the deposit account of the same industry for automatic repayment. After linking the repayment account, you can activate automatic repayment, so that the bank will After expiration, the amount will be automatically deducted from the debit card bound to the user;

2. Online banking or mobile banking repayment. Transfers and remittances from online banking or mobile banking can be used to repay with credit cards. To repay, enter the bank card and login password of the repayment credit card on the transfer web page, and you can repay;

3. Repay through a third party. Websites such as UnionPay QuickPass also support credit card repayment. You can use this app to repay credit card loans.

The above is the relevant information on how to repay credit cards.

How long does it take for credit card repayments to be credited?

The time for credit card repayments to be credited is generally one to two days. The specific repayment credit time, the response speed of different banks is also different, mainly depends on the repayment method adopted by the user. For example, Industrial and Commercial Bank of China will receive money on the same day, transportation will be paid on the next day, and China Merchants Bank will be paid on the same day. Therefore, if users do not want to overdue their credit card repayments, they can only deposit money into the credit card two days in advance. After paying off the credit card, the user can make overdraft purchases within the available limit. This article mainly writes about knowledge points about how to repay credit cards, and the content is for reference only.

There are several ways to repay credit cards. How much do you know about these methods?

In normal times, more and more people use credit cards for consumption, so how should users repay after using credit cards for consumption? Woolen cloth? How many repayment options are available? The following summarizes several types for you, so that you can pay off the debt in time after using your credit card.

When repaying a credit card, give priority to the bank’s own channels, such as bank counters, bank official websites, mobile banking, bank ATMs, etc. When you use these channels to return the credit card, you can receive it in real time and there will be no delays. In some cases, there may be limits on the amount you can use to repay via mobile banking.

When users use bank ATM machines to make repayments, try to return them during the day to ensure safety. Especially girls, it is best to find someone to accompany them when using ATM machines to make repayments. When repaying in this way, you can usually only return an integral multiple of 100.

Users can also use third-party platforms, such as Alipay and WeChat, when repaying credit card debts. However, a certain handling fee is required when repaying the debt. WeChat charges a handling fee of 0.1% of the repayment amount, with a minimum of 0.1 yuan. When Alipay returns the credit card debt exceeding 2,000 yuan, a handling fee of 0.1% will be charged, with a minimum of 0.1 yuan.

When using a third-party platform to repay a credit card, you should pay attention to the payment time to avoid delayed payment. After all, penalty interest will be incurred after delayed repayment. Moreover, if the user does not discover it, it may have a negative impact on personal credit reporting, which requires everyone's attention.

In daily use of credit cards, it is often the case that the bill cannot be paid on time. In fact, when the borrower has difficulty in repaying the loan, he or she can use installment repayment or the minimum repayment amount. This repayment method can reduce the monthly payment. Repayment limit to avoid overdue credit card payments.

In order to avoid overdue credit card payments, it is best for users to control their consumption desires and avoid excessive consumption.

In fact, you can set a limit when using a credit card, so that you can control your consumption desires and avoid being unable to return money on time.

What are the ways to repay a loan through a credit card?

1. Over-the-counter cash repayment (no handling fee, poor convenience, general scope of application) is similar to over-the-counter cash repayment in the form of ATM deposit repayment, but cardholders must understand it first Whether the ATM machine supports credit card repayment, you also need to know which bank the ATM machine belongs to and whether it supports deposits with the bank card you hold. 2. Automatic repayment of our salary card (no handling fee, very convenient, narrow scope of application). For example, if someone receives salary through China Merchants Bank and also holds a credit card from China Merchants Bank, then he can apply for a credit card With an automatic repayment agreement, the bank will automatically deduct the outstanding amount from the salary card every time the final repayment date comes. This not only eliminates the need to queue up at the bank, but also avoids the possibility of paying large amounts of interest due to underpayment. 3. Online banking and Alipay transfer repayment (the handling fees are lower, more convenient, and have a wide range of applications). PCs are extremely popular, and online repayment has become one of the most commonly used methods. Among them, online banking repayment is certainly used a lot. , efficient third-party repayment platforms such as UnionPay Online and Alipay are also well known to everyone, but they differ in the banks they support and the specific repayment operations, so you need to look carefully before using them. 4. Self-service repayment at convenience stores (the handling fee is not necessarily lower, more convenient, and has a wide range of applications). There are self-service repayment tools in some convenience stores and communities in first-tier cities. Its functions are similar to online inter-bank repayment. No need to You can use it by opening the online payment function, and the security is also good. It is also a good repayment method for many older cardholders and some people who do not have access to the Internet. This method is represented by Xinpaytong and Lakala. Shenzhen Development Bank has also launched similar "Easy Home Repayment" cross-border repayment machine. 5. Repayment of mobile payment products (the handling fee is extremely low, very convenient, and has a wide range of applications). When it comes to convenient credit card repayment methods, naturally we cannot ignore the mobile phone that is always around us. In fact, as long as the mobile phone is equipped with a special external device, You can turn your mobile phone into an ATM machine that operates all at once, and of course you can easily complete credit card repayments within and across banks. 6. Telephone banking repayment (no handling fee, more convenient, general scope of application) Some banks have opened telephone banking repayment services. If you already have a current account with the bank and have opened telephone banking transfer services, you need to call the fixed number. Customer service hotline to complete the repayment.

How to borrow and repay money with a credit card

Credit card repayment methods generally include:

1. For repayment via the card issuer’s APP, the cardholder must download it After using the card issuing bank's APP, bind a savings card with a sufficient balance on it. In this way, you can make credit card repayments through the card issuer's APP before the repayment date arrives.

2. Automatic repayment business repayment. If you also apply for a savings card at the bank that handles credit cards, you can open the automatic repayment business. Automatic repayment can be achieved when the balance in the savings card is sufficient;

3. For repayment at bank counters, cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayments at the counter.

4. ATM repayment, you can repay by depositing money at the ATM machine of the credit card issuing bank;

5. Third-party platform repayment: Alipay, WeChat, Duxiaoman Third-party platforms such as finance can also pay back credit cards.

Credit card loan application process:

1. Apply to the bank

In order to effectively obtain a credit card loan, the most direct way is to apply to the bank effectively. Apply. However, due to bank regulations, when applying, it cannot be said to be a credit card loan, but should be called a cash installment application.

2. Provide valid information

When applying to the bank, customer service staff will ask the user some questions.

(1) It is the credit card, the user’s name and the 3-digit number on the back of the credit card, which is the CVV code.

(2) It is necessary to understand the purpose of the user's application for cash installment.

(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling rate. This should also be understood through the explanation of the customer service staff, and then the user will make the decision himself. According to the actual situation, choose the appropriate number of installments for repayment.

3. Review required by the bank

When a user applies for cash installment, the bank will conduct an effective review of the user's application, including reviewing the user's personal information, such as whether Whether the personal information is accurate, etc., the user's loan limit must also be reviewed, which is closely related to the user's usual credit record and repayment status.

That’s it for the introduction of how to repay a credit card loan.