2. Micro-silver POS mobile phone repayment: Micro-silver POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately
3. Transfer/remittance repayment: 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.
4. Online repayment: Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Convenience store repayment: This method mainly completes the repayment 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.
6. Counter repayment: Counter refers to the current RMB deposit and withdrawal transactions of bank cards issued by various networked financial institutions through counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Xinfutong repayment: "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
8. Repay for repayment: Repay for repayment is generally charged according to the charging standards for interbank transfer in the same city and interbank remittance in different places stipulated by the local people's bank.
Extended data:
Matters needing attention in credit card repayment of Bank of Communications:
Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest every month and a late fee.
Credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder needs to pay late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same.
People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up the use of credit cards and go through the formalities of card withdrawal in time. Otherwise, the expenditure of credit cards and the interest and late payment fees generated in the later period will lead to personal economic losses and credit reduction, which will affect mortgage and car loans.
There are more and more emerging repayment methods, but the mainstream media are online transfer repayment provided by banks, card-to-card repayment of third-party POS machines, and telephone banking repayment. If there is a fixed repayment method and repayment cycle, monthly credit card repayment will become very convenient, and it will never take up too much time for users, not to mention there are people waiting in line at the bank.
In addition, I would like to remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.
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Baidu Encyclopedia-Bank of Communications Credit Card
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