after the credit card is reissued, the cardholder can return the credit card through bank counters, online banking, third-party payment platforms, etc. No matter what way, the user must know the card number. If you don't know the card number of the credit card, you can call the bank customer service phone for consultation, so that you can complete the repayment.
It should be noted that cardholders may need to pay a certain handling fee when using a third-party payment platform to repay credit card arrears. For example, WeChat charges a handling fee of .1% of the repayment amount, with a minimum .1 yuan for each payment; When using Alipay to repay the credit card arrears, a handling fee of .1% will be charged for the part exceeding 2, yuan, with a minimum .1 yuan for each payment.
generally, when the amount of return is large, users had better return it at the bank counter. At this time, there is no need to pay for the return, and the arrival speed is very fast, so there will be no delay in arrival. When using the third-party platform to return the goods, we should pay attention to the delayed arrival of the goods to avoid the occurrence of overdue.
Credit cards must not be overdue in the process of reissue, because there will be penalty interest after overdue repayment, and the longer overdue, the more penalty interest will be generated, and the pressure of late repayment will increase. It should be noted that banks will collect money after overdue repayment, and the common collection method is to call the borrower.
generally, it takes about two weeks to receive a new credit card when it is reissued, and the card needs to be processed and sent in the middle. Card-sending banks send cards by ordinary post, which is relatively slow and the area is not too far away. It can be received in one week, if it is more than one week in remote areas, such as Xinjiang and Tibet. How soon you can receive the new card depends on your area.