2. Third-party payment platform for repayment of multiple credit cards is more convenient. In addition to Alipay, which is well known to many people, credit cards can be repaid free of charge through third-party payment platforms such as Tenpay, Shengfutong, Kuaiqian, UnionPay Online and ChinaPay. However, it should be noted that the inter-bank repayment cooperative banks opened by banks on these third-party payment platforms will be different. "Lacarra" is very convenient for repayment, as long as you swipe any debit card with the UnionPay logo at the outlet equipped with "Lacarra" equipment and transfer money to the credit card. Consumers should be reminded that it is best to make repayment three working days before the credit card repayment date.
3. Many credit cards are repaid by the same bank. The credit cards issued by the same bank are managed by the same bank. Because of different emphases, some of them belong to the owner's card, and there are discounts for refueling, others belong to shopping cards, and online shopping has points, which makes many cardholders handle multiple credit cards in the same bank. Although these credit cards belong to the same bank, their bills are independent and the repayment dates are different. Cardholders should ask carefully when applying for multiple credit card bills to avoid delay in repayment. According to the survey, some banks implement a unified management system for multiple credit cards under the same cardholder's name, that is to say, as long as the debts owed by different credit cards are uniformly returned to one credit card, the bank defaults to the repayment amount of all the credit cards of the bank. However, this combined repayment method is not used by all banks, and most banks still implement the principle of one card and one account. When repaying, they must make separate repayment according to the actual repayment amount of different cards, and they cannot make combined repayment. Therefore, remember the repayment amount and repayment time of each card when repaying.
4. There are many credit card management benefits in different banks, and each bank is different. In order to enjoy these benefits at the same time, many people have applied for credit cards in different banks. In order to repay multiple credit cards, cardholders inevitably have to travel between different bank counters and ATM machines. It is suggested that for the repayment of multiple credit cards, cardholders should use online payment platforms that can cross-bank repayment, which not only eliminates the worry of running around, but also most of these third-party payment platforms are equipped with credit card repayment reminder functions, which can avoid the worry of forgetting to repay. Of course, the most important thing is that credit card repayment is still free.
5. Avoid invisible charges on credit cards. First, try not to withdraw cash, because not only do you have to charge% handling fee, but you also have to charge five ten thousandths of interest every day from the day of withdrawal. In short, interest is very expensive. Secondly, you can get the longest interest-free date by swiping your card, which is the second day of the billing date, because the record of consumption on the second day of the billing date is the corresponding interest-free repayment date on the billing date of next month and the corresponding final repayment date on the billing date of next month, so that you can enjoy the interest-free period to the maximum extent! Finally, you can call the customer service number on the back of the card in advance to apply for installment payment, and then find out which businesses cooperate with your credit card bank.
6. The first credit card repayment skill of UnionPay online repayment with the same name is UnionPay online repayment with the same name, that is, the credit card holder transfers the funds in his debit card to the credit card through the UnionPay website. In this way, whether you are at home or in the office, you can make credit card repayment, and you can avoid the pain of running around the bank outlets every month. To use the online repayment service of UnionPay with the same name, you must first bind your debit card and credit card through the UnionPay website, and then you can initiate repayment after real-name authentication. It should be noted that in general, the credit card center accounts for it before 12: a.m. on the third working day after the repayment operation, and it will be postponed in case of weekends and legal holidays, and the repayment after 23: is regarded as the next day's transaction.