My card is China Merchants Bank, and it says "UnionPay POS consumption, UnionPay consumption ** Telephone inter-bank repayment".

Bind the credit card to another bank's debit card for repayment. The content is different. The one that says "Third-party collection agency, Tonglian collection agency, credit card associated deduction".

This kind of inter-bank repayment has nothing to do with WeChat payment. In fact, it is like this :

You send a message to the bank through WeChat, telling how much money you want to repay. The credit card bank will send the message to the debit card bank, and the debit card bank transfers money to the credit card through the "Super Online Banking" channel. (If you are interested in "Super Online Banking", go to Baidu yourself). If you use the Super Online Banking channel, your account will be credited in real time without any handling fees.

Another question: Since there is no handling fee for this kind of inter-bank repayment. Why are banks willing to do this?

1). For credit card banks, the easier it is to repay, the more people are willing to swipe their cards. The bank can charge merchants a processing fee for swiping their cards. Therefore, if the repayment is made, additional fees will be charged. Money, no one is willing to use credit cards for consumption.

2). As for the debit card bank, transferring a sum of money to the credit card bank for repayment is equivalent to losing a deposit in vain, right? The reason why he is willing is because if a bank is set as a debit card for credit repayment, it proves that this card will be the main debit card, and the user will mainly store money on this bank card, so he is willing. Super Online banking also has a function called "fund pooling". The party being pooled transfers the money in vain, which means the deposit is lost in vain, and the bank does not benefit at all. In this case, the bank is not willing to do it.