Which credit card repayment method is better? I think it varies from person to person. For example, the amount of your monthly repayment and the number of credit cards you hold will all determine the credit card repayment method you choose. There is a certain impact.

There are currently several common credit card repayment methods. The first is to repay directly through the bank’s official channels, including WeChat, APP or online banking; the second is to repay through third-party channels. Including WeChat, Alipay or other third-party channels. And each channel has its own advantages and disadvantages. When you choose a repayment method, you should choose it based on your actual situation.

The biggest advantage of repayment through official bank channels is that it arrives quickly. Many banks can basically arrive in seconds. Therefore, if the repayment is on the repayment date, it is best to choose bank channels for repayment; and through the official If you repay through channels, you can get points, and it will also be helpful for increasing your credit card limit, because the bank can obtain your repayment flow more intuitively.

However, official repayment channels also have certain shortcomings. If you have a large number of credit cards, you have to download an APP from each bank. For example, if you have ten credit cards, then you need to download a bank APP. , which will take up a lot of memory on your phone. Of course, you can also repay through their official WeChat, but this situation is more confusing to manage when there are many credit cards, and sometimes it is easy to forget to repay a certain bank.

The advantage of third-party channels is that they can comprehensively manage multiple credit cards with one APP, and can set up automatic repayment. However, some platforms charge handling fees for repayment through third-party channels, and if the repayment amount is greater than 50,000 yuan, it is easily subject to restrictions on bank quick payment and platform restrictions. Currently, many banks offer quick payment on third-party platforms. Generally, the single-day limit is 50,000, and the monthly cumulative limit is 200,000. In addition to bank restrictions, third-party platforms also have their own restrictions. For example, the current monthly repayment limit for a single Alipay credit card is 50,000 yuan.

However, different third-party repayment channels have different advantages and disadvantages. At present, the most common repayment methods are WeChat and Alipay. The biggest disadvantage of WeChat is the handling fee. Currently, each month The fee-free amount is 5,000 yuan, and a handling fee of 1‰ will be charged for amounts exceeding 5,000 yuan; Alipay currently does not charge credit card repayment handling fees.

Using third-party channels for repayment will also help improve your credit score in third-party channels. For example, frequent use of WeChat for repayment will help improve your Tencent credit, and frequent use of Alipay for repayment will help. It will help improve Sesame Credit, but overall, I think among third-party channels, Alipay should be the best for repayment at the moment.

After considering the above conditions, I think that when choosing a repayment method, you should follow several principles:

If the credit card usage is relatively large, the monthly repayment amount will be If the credit card repayment amount is more than 50,000, priority is given to official bank channels;

If the credit card repayment amount is not large and the number of credit cards is relatively small, such as less than 3, then I still recommend that you choose official channels for repayment;

If your monthly repayment amount for a single credit card is not large, less than 50,000 yuan, but you have a large number of credit cards, such as more than 4, then I suggest that you use third-party channels for repayment. .

Of course, when choosing a third-party channel for repayment, you must pay attention to the purpose and strategy. For example, some people choose Alipay to repay in order to improve Zhima Credit, but some people choose to repay in order to open Weili Loan, or When the Weilidai limit is increased, they will give priority to WeChat repayment, which may vary from person to person.

To understand the best way to repay a credit card, you need to understand the bank's potential credit rating standards. Complying with these standards can increase the credit card limit and increase credit. So, what is the best way to repay your loan?

1. Make timely repayments and do not make late repayments.

What users who use credit cards can understand is that in fact, bank credit cards have a certain degree of tolerance for overdue payments. Generally speaking, it will be within three days after the repayment date.

Therefore, it is important to grasp the time when repayment is overdue. Do not repay after three days of overdue payment, otherwise there may be risks of reducing the limit and affecting credit.

2. This credit card repayment method is better.

Usually repayment is usually a one-time payment on the repayment date, but it is usually better to make multiple payments and repay before the repayment date. In other words, repaying the loan a few days before the due date, or even 10 days, and then every few days can easily be rated as a high-quality repayment method.

3. Multiple people make repayments.

This is very troublesome, but it best reflects credibility. For credit cards, the most important thing is credit performance, so when the repayment date is approaching, multiple people can make repayments to the credit card to be repaid separately on multiple days. This can better reflect credit and may also be rated as high-quality repayment. As a borrower, the first thing that comes to mind is repayment when it is due, and there is effective help from other people.

In fact, for credit cards, the most important thing is to reflect credit, and when it comes to reflecting credit, the most outstanding performance is the repayment method, so it is best to make reasonable use of repayment methods that can increase credit. way. Of course, the most important thing is persistence. The effect may not be achieved once or twice, but this method will be better for a long time.

1. It is recommended to bind the bank’s debit card to repay in full. The bank will consider that you have the ability to repay;

2. You can use WeChat, Alipay, and Cloud QuickPass (These three are all big brands, and the others are not recommended.) Set a repayment reminder date, and repay immediately after receiving the reminder;

3. Repay immediately after spending with a credit card. Or repay immediately the next day. In this way, the bank will consider you a high-quality customer. Increasing the limit will help. I usually repay more after the second day of consumption. There are also people who wait until the bill is issued before repaying. I have CCB This is the case with both Ping An and Ping An, and the quota increases are quite fast. CCB increased the quota to 4W from 2016 to 2018, and Ping An increased the quota to 6.3W;

Finally, please remember to repay on time to avoid unnecessary trouble. !

There are many choices for credit card repayment methods. The key is that we need to make reasonable and optimized repayments on credit cards, mainly making overall arrangements with the way we use funds, and the nature of the cardholder’s source of funds. Achieve the three goals of returning on time, quickly and efficiently, and safely.

First, decide on a debit card as your main fund collection card. Try to choose your own salary card or the debit card that is your main source of funds. At the same time, if you apply for a credit card from the same bank, because the funds are pooled in the debit card, the credit card limit the bank will apply for you will be larger.

Open u-shield for online banking and mobile banking of this bank debit card; at the same time, go to the bank to bind the credit card and debit card for repayment. In this way, as long as you have money on your debit card, the bank will automatically transfer the money on the credit card repayment date.

Second, treat your debit card as your own fund center. Through the function of u-shield, you can bind your credit card and pay for telephone bills, water, electricity bills, natural gas, cable TV bills, plane tickets, train tickets and other daily life payments by credit card on your computer.

In addition, you can link your credit card to WeChat payment (some banks agree to bind credit cards to WeChat, and some banks do not agree to bind them to WeChat). When purchasing goods and hotels, the payment of credit card funds is completed.

3. Use the mobile payment function to complete credit card and other repayments. At present, all banks have opened mobile apps to encourage mobile payments, and even cross-bank payment is free, with real-time payment available. Very safe, convenient and fast. Open 24 hours a day, with a quota of RMB 50,000 during off-duty hours. For daytime payments, you can negotiate a transfer limit at the bank counter based on your business volume.

Third, the repayment of credit cards from other banks can also be repaid through the debit card fund center. Or, if you have a lot of cash business, you can repay directly at the bank's self-service deposit and withdrawal machines.

In short, we must make good use of modern science and technology, implement overall planning and steadily implement it.

At the same time, plan your funds well and use them well. Don’t waste it and don’t break your trust!

The best way to save time, effort and money! With the development of financial technology, credit cards have diversified payment channels and do not need to be carried around. As long as you bind Alipay, WeChat, and download a bank APP, you can use and repay. If you use electronic payment channels for a long time and do not carry your credit card with you, you will forget the location of the credit card after a long time, causing the credit card to be lost or lost. If you use it for consumption during this period, the following methods can be used to repay when it is due:

First, go to the bank branch counter to repay. After losing your bank credit card, if you cannot remember the credit card number, and the repayment deadline is coming soon, you can only go to any branch of the credit card issuing bank and ask the teller to check the credit card number. Write it down on your mobile phone or on paper. To repay via cash deposit, you only need to fill in a "Cardless Renewal Deposit Slip" and write down the deposit card number, depositor's name, and deposit amount clearly to repay.

Second, repayment via WeChat and Alipay. If the Alipay or WeChat account has been bound to a credit card account, no matter whether the credit card is lost or not, it will not affect the credit card repayment. As long as there are sufficient funds in the Alipay account or WeChat account, you can directly click on the credit card repayment account. Just repay according to the consumption amount on the bill. However, WeChat repayment has started charging from August 1, 2018, at a rate of 0.1.

Third, repay via online banking transfer. Log in to the online banking system of any bank that has been opened. As long as the funds in the bank account are greater than or equal to the repayment amount, you can enter the credit card number to transfer and repay. The repayment steps are the same as usual remittance transfers. Enter the transfer account number, After the name, transfer to the bank branch, purpose, amount and other information, the credit card repayment is completed.

If the credit card is lost, it’s okay if you just can’t find it at home. I’m afraid if it’s lost in a public place and someone else picks it up, there will be some undue risks and losses, so the credit card holder It is best for people to report the loss and apply for a replacement card as soon as they discover that their credit card is lost. If it is not during bank business hours, call customer service to apply for a verbal report of the loss, and then go to an outlet to go through the procedures for a new card.

At present, the main methods of credit card repayment include the following: automatic deduction, direct repayment at the counter, electronic bank repayment, and third-party payment institution repayment. Each of the four methods has its own advantages and disadvantages.

Automatic deduction

Automatic deduction is bound to the credit card issuer's own bank. It is the fastest to receive the payment, and there is no need to remember the expiration date of the credit card. It is also the most convenient for banks. For your favorite repayment method, if you want to raise your balance, automatic deduction has the highest probability of raising your balance. But if you have multiple credit cards from various banks, this method is not suitable, because you need to open multiple savings card accounts, and reserve sufficient amounts in each account to be deducted every month.

Direct repayment over the counter

The biggest advantage of direct repayment over the counter is that it is not difficult and anyone can make the repayment. This is a problem for those who are illiterate or do not understand the Internet. It is currently the most commonly used repayment method among seniors. Its main disadvantage is that you have to go to the bank counter to queue up for repayment every time, which is troublesome!

Electronic bank repayment

This channel includes two options: online banking and mobile banking. You can either repay your own bank’s credit card or another bank’s credit card (for example, if you use Industrial Bank’s Debit card, you can use transfer to return the credit card of China Construction Bank). The advantage is that it is convenient and fast. The disadvantage is that you have to remember the repayment date of each bank's credit card and the amount to be repaid each month.

Repayment through third-party payment channels

The biggest advantage for people with multiple credit cards using this channel is unified management. Third-party payment institutions can bind all credit cards. And you can see the expiration date and repayment amount of each credit card at a glance, and you can also repay with one click; however, this channel also has several major shortcomings: First, it cannot be recorded in real time (repayment using this channel is not possible) It is best to arrive one day in advance); second, some banks do not support it; third, there are daily and annual transfer limit limits; fourth, some institutions (such as WeChat) charge handling fees.

Summary

If your credit card is within the range of two, I recommend using automatic deduction. Secondly, electronic banking. For banks, their own turnover ratio is through a third party. The flow rate is better; on the contrary, if you have 3 or more credit cards, especially if you have a bad memory, it is recommended to use a third-party payment institution, because this way you will not misremember the account period and repayment amount, and ensure that there will be no mistakes. Overdue interest.

What is the best way to pay off a credit card? Let’s first talk about the ways to repay credit cards. First, Alipay, WeChat, online banking, bank APP, etc., all of which can repay credit cards.

However, last year WeChat began to announce that it will charge fees for credit card repayments, and Alipay recently announced that it will start charging for credit card repayments. Other channels have no intention of charging for the time being.

So, what is the best way to repay credit card payments? It depends on what APP you are used to using. I am used to using Alipay, and Alipay also has a free quota of 2,000 yuan per month. My consumption level is not in Alipay’s fee list, so I will still choose Alipay. .

If you are like me and your bill limit is less than 2,000, you can still choose Alipay, or you don’t care about the 0.1 handling fee, then you can use whichever of the repayment channels mentioned above you want.

If you don’t want to pay handling fees, online banking and bank APPs are beckoning to you~

The above are some of my opinions, everyone is welcome to leave a message for discussion~

There are many credit card repayment methods: mobile bank transfer, WeChat repayment, Alipay repayment, Union Quick Pass repayment, binding automatic deduction, counter or ATM repayment, etc. If I want to say which method is the best for me I think it depends on what you want to achieve.

If you are thinking about factors such as being better for your credit card and making it easier to raise your limit, the automatic repayment method bound to our bank’s savings card is the best! It not only enriches the relationship with the bank, but also makes the bank feel more at ease, which is of great help to the credit card score.

If you want to make it convenient and fast for yourself, then there is no doubt that mobile banking transfer is the most convenient. Now all banks are strongly recommending mobile banking services. Personal transfers are received in real time and are free of handling fees. , some bank APPs are very user-friendly and easy to use.

The most important thing is that credit cards from any bank can be credited to your account in real time.

If you don’t want to use mobile banking, there is no doubt that Alipay is the most convenient. The payment speed is ranked second among all repayment methods, because most banks provide real-time payment. The bank cannot receive the payment in real time and it will take 1-2 working days.

Other repayment methods can only be used as alternatives and will not be described one by one.

There is actually no fixed number for this. If financial conditions permit, I still recommend that you can repay the loan on time. In this case, you will actually have 20 to 50 days to occupy the bank funds for free. But if you choose to repay in installments, the annualized cost of bank credit card installments is generally above 8. This cost seems to be much lower than private loans, but if you are asked to invest, it is rarely stable. Investment channels can exceed this return.

You can repay it all at once. If you are short of money, you can pay it off in installments. For example, if the bill comes out to 10,000 yuan and you only have 2,000 yuan on hand, you can just pay it off five times before the repayment date