If you want to pay off your credit card quickly, you must first find out how much money you owe, so that you can have a clear repayment plan. Budget expenditure on the basis of the established plan: budget the amount to be repaid and other expenditures, so as to determine the maximum amount of other expenditures.
If you have enough funds, you can pay off your credit card directly and quickly through banks or third-party payment platforms. If you are short of funds, you can borrow money from your relatives to pay back your credit card, and then slowly make money to pay back your relatives.
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).
20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.
How to return the credit card?
There are many ways to repay credit cards. The following are several commonly used repayment methods:
1. Binding a savings card is the most convenient repayment method. When you apply for a credit card, it is bound to our savings card, and the bank automatically deducts money when you repay it, which is convenient for you to transfer money manually to the bank.
2. Online banking transfers money first, which is safe. Open the issuer's online banking, log in to the online banking, and enter the password to complete the repayment without handling fees.
3. Third-party repayment is convenient. At present, Alipay Wallet supports credit card repayment of more than 30 banks, and a "repayment reminder day" can be set.
4. Reimbursed by Lacarra. Credit card outlets use less, but there is a handling fee for repayment, which is 2 yuan per transaction. Three repayment methods of credit card
1. Full repayment: after the bill is issued on the same day, it will be paid off in one lump sum. This is the best repayment method, but it also requires considerable funds. If the bill amount is 65438+ million, it needs 65438+ million to pay back. Full repayment is actually divided into two repayment methods, one is the one-time repayment mentioned above, and the other is
Accumulated multiple full repayments. The bank doesn't stipulate that it should be paid off in one lump sum, so we can pay it off in multiple installments as long as the bill amount is paid off before the final repayment date. For example, the current bill is 10000 yuan, and we will pay 100 yuan in one lump sum, which is enough.
2. Repayment by installments: After the bill is issued on the bill issuing date, the current bill will be repaid by installments, which can generally be divided into 3/6/9/ 12/ 18/24 installments. This method is relatively less stressful, but it will bear a certain installment fee.
There is also the minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it reissues the bill, which is also the most uneconomical repayment method. If the bill amount is large, you have to pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.
Small expansion: billing date and repayment date
Billing date: the billing date is the date of bank settlement, which is determined according to the application time. The billing date is set when the credit card is approved. After the card is activated, you can call the bank to modify the bill date.
Last repayment date: In general, the last repayment date is 20 days after the bill date, but some banks also stipulate the last repayment date. It's all about 20 days. It won't make much difference.
10% repayment method:
1. After paying the bill at sunrise, it can be operated from the 3rd. The total amount of the bill is 10000 yuan, which can be repaid by 1000 yuan.
2.3 repay 1 1,000 yuan in the morning, restore the limit of 1 1,000 yuan, and brush out the 400 yuan three hours later, and brush out 1 1,000 yuan again. I have paid back 2000 yuan in one day. After that, swipe the card every day to complete the repayment and accumulated repayment 10000 yuan.
Precautions! ! !
1. The repayment amount, credit card amount and credit card interval of the above methods are just examples. The actual situation depends on the individual situation, which is not suitable for complete imitation. (Of course, the more places reserved, the better. )
2. Note that the credit card amount mentioned above is only an integer convenient for calculation, and the actual credit card should not be an integer.
Please manage your credit card effectively to avoid overdue.
How to return the credit card?
Credit card repayment methods are: 1, and branch repayment. Credit cards can be repaid at the counter of the issuing bank outlets; 2.ATM repayment. You can deposit or transfer money at the ATM; 3. Online banking repayment. Log in to the issuing bank's online banking to repay the credit card; 4. Mobile banking repayment. Log in to the issuing bank's mobile banking, and you can repay the credit card.
Credit card repayment methods are:
1, repayment by outlets. Credit cards can be repaid at the counter of the issuing bank outlets;
2.ATM repayment. You can deposit or transfer money at the ATM;
3. Online banking repayment. Log in to the issuing bank's online banking to repay the credit card;
4. Mobile banking repayment. Log in to the issuing bank's mobile banking to repay the credit card;
5. Repayment through third-party software. Alipay, WeChat, Xiaoman Finance, China UnionPay Express and other software all have credit card repayment functions, which can repay credit cards;
6. Automatic repayment. You can associate a debit card with a credit card, and the bank will automatically deduct the repayment from the debit card after the association;
7. Telephone repayment. Call the customer service number of the issuing bank, and then return the credit card manually. Generally, you need to open a telephone bank in the issuing bank to transfer into or out of an account.
How to pay off your credit card
First, find out how much money you owe on your credit card!
Many friends only know how to repay their credit cards when they expire, but they don't know how much money they owe. Therefore, if you want to repay your credit card quickly, you must find out how much you owe, so that you can make a repayment plan.
Second, reduce the frequency of using credit cards, or even stop using them.
In daily consumption, credit card is a more convenient transaction method. Although convenient, it also brings some disadvantages. Credit cards are not like real money transactions. People don't feel much about the amount of credit card spending, many a mickle makes a mickle, and they owe more and more debts. So if you want to pay off your credit card as soon as possible, it is urgent to reduce the frequency of using credit cards or even stop using them!
Third, cancel small credit cards and reduce the amount of credit cards held!
Too many credit cards often have an impact on our repayment plan. Therefore, I suggest that you cancel your small credit card and reduce the amount of credit card held!
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
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.
How to return the credit card?
You can apply for credit card repayment through the following channels:
1. Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Repayment" on the homepage to repay your own ABC credit card or someone else's ABC credit card; Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of credit card arrears of ABC.
2. Online Banking: Please log in to personal online banking and click "Credit Card → Repayment → One-click Repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.
Tips: If you need to return his credit card, you can transfer it.
(Answer time: June 25th, 202 1. In case of business changes, please refer to the actual situation. )
How to return the credit card?
Credit card repayment methods are:
1. Bank deposit repayment:
Cardholders can bring cash and credit cards to the issuing bank's business outlets, apply for repayment from the staff, and then deposit the current arrears into the credit card with their help to complete the repayment.
2. Automatic repayment by tying the card:
Cardholders can bind their credit cards to their peers' savings cards, and then deposit some cash into the savings cards before each repayment date, waiting for the bank to automatically deduct the money.
3. Online banking transfer repayment:
The cardholder can log in to the issuing bank official website, then find the entrance of the credit card center, log in to the personal credit card online banking account, and repay on time in the corresponding repayment options.
4. Repayment on the third-party platform:
Cardholders can make credit card repayments on third-party platforms such as WeChat, Alipay and China UnionPay Express.