The money is deposited directly into the credit card to calculate the repayment.

1. The bank system will automatically deduct the balance in the credit card on the credit card repayment date. When the debit amount is equal to the repayment amount, it is equivalent to the user's repayment. There are many ways to deposit money into a credit card, such as mobile banking transfers, ATM deposits, bank counter remittances, etc., and this operation can be performed by others.

2. If you don’t want the system to automatically deduct the money, the user can choose to actively repay, and the credit card limit will be restored if the repayment is successful.

Extended information:

1. How to repay a credit card?

The most important repayment methods of credit cards are as follows:

1. Bundled savings card repayment. You can bind the credit card to the savings card of the credit card issuer. The bank will automatically deduct the amount from the debit card.

2. Online banking transfer and repayment. After activating online banking and logging in, use your own bank account to transfer funds. Enter the card number and password of the repayment credit card to complete the repayment through online banking transfer.

3. Mobile payment platform repayment. Mobile payment platforms such as Alipay, WeChat, and Lakala support credit card repayment. You can use these apps to repay credit card debts.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

2. Renew your credit card when it expires Does the card need to be paid off?

No, as long as the credit card expires, regardless of whether there is any outstanding balance, the bank will issue a new card. After receiving the new card and activating it, the old card information will be transferred to the new card, including the unpaid balance, and you can just pay the money back to the new card.

If there is a debt on the old card, but you do not let the bank replace the card with a new one, in this case, you must pay off all the debt.

3. Consequences of overdue credit card

1. If the payment is not made for more than 7 days, the bank will list the loan as "dunning" and "delayed fines". At this time, the user must pay late tax fees or overdue interest;

2. If the payment has not been made for more than 3 months, it will be very serious. The borrower will be marked with a bad credit record on the Joint Credit Information Center, also known as "credit blacklist", and may be kept for more than three years;

3. Just enter If you are on the credit blacklist, your application for housing loans and car loans will be affected. Overdue interest is only a financial loss, while a poor credit record is a damage to inventory, and its impact is irreparable to money.