Credit cards can't be repaid or borrowed. According to the usage rules of credit cards, overdraft and loan repayment are not allowed. If it is the repayment date of borrowing flowers and you have no money to pay back, you can take out the money in your credit card first and then borrow it. If you need to operate through a bank card, there is a handling fee and interest for withdrawing money by credit card.
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.
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card.
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card.
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Can I return the flowers with my credit card?
Credit cards can't directly repay flowers, petty cash and the like, but only rely on cash withdrawal.
Two ways to withdraw cash from credit cards:
Go directly to UnionPay deposit and withdrawal machine to withdraw money. In this case, you can only withdraw half of the credit limit. For example, the credit line is 50,000, and the maximum amount can only be 25,000.
Brush out regret socks on POS machine. In the way of virtual message, the merchant charges a small fee and gives you cash directly. The bank doesn't know how you got out. As shopping expenses. There is an interest-free period. Have a plenty of 50 days, as long as it is paid off within the specified time, it will not generate interest.
Alipay's loan is a credit report. If there is a demand for buying a house in the past three months, it is not recommended to borrow it. If the loan is shown as an operating loan in the credit report, the interest is 15000 yuan per day, which is equivalent to the annual interest rate of 7.22%.
The handling fee of credit card is 6%, so the interest within 10 days is more cost-effective than that of credit card, and the interest for more than ten days will be more than twice that of credit card. You can do it according to the following later methods.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
How to repay Bai Hua by credit card? So you can still do this!
Many Alipay users report that after the upgrade of the flower garden service, they will actually report their own credit information, which means that they can't pay back the money at will after using the flower garden, otherwise the overdue will affect the credit information. However, there are many users who spend too much on the Double Eleven and have no money to repay, so they want to know if they can repay by credit card. Then, how can I pay my credit card? Let's take a look together.
Can I repay Bai Hua with a credit card?
I believe many people will firmly say no, it won't work. Why? Presumably, many Alipay users have tried it themselves. After binding the credit card on Alipay, click Huabai to repay, but when choosing the payment method, the credit card option is gray, so you can't choose a credit card, so you can't repay naturally.
Moreover, Alipay's official introduction to the repayment method of flower buds also said that flower buds can only be repaid by debit cards, balances and balance treasures, so it is obvious that credit cards cannot repay flower buds. But, don't forget, we can also repay indirectly.
So, how to repay Bai Hua by credit card?
The so-called policy has countermeasures. Although credit cards can't directly repay the expenses, don't forget that credit cards have the function of withdrawing cash in addition to overdraft consumption, and even can handle cash installment to obtain funds. So we can use these characteristics of credit cards to indirectly return flowers. There are two operations:
1. Cash withdrawal and repayment:
That is, cash is withdrawn from the credit card, and then the cash is deposited in the debit card bound by Alipay, and then the money in the debit card is directly used for repayment. The disadvantage of this method is that you can't enjoy the interest-free period when you withdraw cash by credit card. From the date of withdrawal, interest shall be calculated at the daily interest rate of 0.5 ‰, and compound interest shall be calculated monthly. Therefore, unless absolutely necessary, it is best not to use this method.
2. Cash installment:
Many credit cards can provide cash installment services, but they are generally carried out within the credit card withdrawal limit. You can transfer the cash within the withdrawal limit to the debit card bound by Alipay after installment, and then use this debit card to repay directly. The cash installment fee is a bit expensive, but you can enjoy the interest-free period.
Summary: Although credit cards cannot be repaid directly, there are still many ways to repay indirectly. In addition to the above two ways, there are other indirect repayment methods. Some people will say that you can't cash out with a credit card to get money and spend money. I would like to remind you that it is illegal to cash out by credit card. Once the risk of the bank is controlled, the amount of the card will be reduced. I don't recommend doing this.
Can I return the flowers with my credit card?
1. Credit card cannot be returned. Flower buds, like credit cards in essence, belong to a micro-credit business. The only repayment methods supported by Huabai are Alipay balance, Yu 'ebao balance and debit card balance.
2. The only way to repay Hua Bai by credit card is to withdraw cash by credit card first, and then repay Hua Bai. However, this method requires the cardholder to bear the interest of five ten thousandths of the daily withdrawal and the withdrawal fee. It can be said that the cost is high and it is not recommended to do so.