Credit card skills of 5 thousand to 20 thousand, as long as the credit card is good, it is easy to handle, and if it is used well, it will give a higher amount. As we all know, there are many ways to repay credit cards. Here are some tips for returning 5,000 to 20,000 credit cards.
Credit card 5,000 to 20,000 tips 1 You can pay the minimum repayment amount first, and then pay it back slowly in installments.
1, you'd better continue to use this card (otherwise it will immediately alert the bank).
2. Don't run away and think it's okay (if you run away for a long time, it will be considered by the court as malicious evasion of debts and may constitute a criminal offence)
3. Need to explain the inability to repay in time (apply for a few days' delay in repayment, apply for bill installment, apply for the minimum repayment amount, and find an intermediary to repay).
4. It is best to repay in full and explain the reasons.
If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.
So what are the repayment skills of credit cards?
1, multi-card revolving credit card repayment. For example, if you have two credit cards, the limit is 5000 yuan. This month, I have almost swiped the first card, but I haven't swiped the second card yet. So when the first card needs to be repaid, you only need to take out the money from the second card and return it to the first card, so that the bill of the first card will be paid off, but the bill of the second card has not expired. Then you can take Card 1 and return it to Card 2 when the bill of Card 2 is due, so that you can repay it in cycles without worrying about running out of money. Pay attention to this method when paying back the money. It is best not to withdraw money directly from ATM, which will generate high interest.
When withdrawing cash, it is best to use pos machines. Some businesses can be asked to pay some handling fees to withdraw money. Generally speaking, this handling fee of 10 thousand will cost about 40-70 yuan, but it is also less than direct ATM withdrawal.
2. Single card revolving credit card repayment. In this way, we don't need two credit cards, but only one card for repayment. We also use an example to analyze the operation process. If you have a credit card with a limit of 10000 yuan, you have already spent 5000 yuan, and you can't pay it back by the repayment date, then take out the remaining 5000 yuan before the repayment date approaches, so that you don't have to pay back the 5000 Yuan You next month, and then pay it back the next day, so that this month's bill will be paid off.
Doing so can prevent us from overdue repayment, maintain good credit information, and repay in full every month without any handling fee. The most important thing is that we don't need to repay when we have no money, which can relieve our pressure to the greatest extent. However, when using this method, we must be cautious. First, don't explode the card, and you can't repay it with a single card cycle. Second, don't use it frequently, only occasionally when your capital turnover is difficult, so as not to be discovered by the bank's risk control department.
Credit card 5 thousand to 20 thousand skill 2 repayment method
credit card repayment
Common credit card repayment methods in China mainly include the following categories (according to the cost level):
Intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Network repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Make an inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Guimiantong
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
Lacarra
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.
Xinfutong
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
Intelligent repayment
The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.
Credit card 5 thousand to 20 thousand skills 3 repayment process
Issuing bank also
1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;
2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit card number, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;
4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;
5. Query the transaction after repayment and print the receipt.
Network repayment
Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.
1. Payee account name: fill in the name of the credit card holder.
2. Payee's bank: fill in "Bank Credit Card Center".
3. Transfer to payee's account: fill in 16-digit credit card number.
4. Remarks: Fill in "Credit Card Repayment".
5. Withdrawal password: fill in the one-card withdrawal password.
6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
7. Accepted currency for repayment of the "payment plan" function: RMB.
8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.
9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.
10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.
1 1, personal online banking popular version:
If the cardholder has opened a one-card account bank and handled the "self-service transfer agreement" between the one-card account and the credit card, he can log on to the website of China Merchants Bank and use the popular version of personal online banking to transfer the repayment to the cardholder's credit card. Transfer to restore the cardholder's credit card available amount in real time.