How to pay off credit card repayments?

There are three specific repayment methods:

1. You can use Alipay’s automatic deduction function to deposit funds to Alipay in advance. The system will automatically debit a few days before the credit card repayment date. Debit to credit card for repayment.

2. You can log in to the official website of the bank where the credit card account is opened, select Personal Business-Credit Card Repayment Settings, and use our bank's debit card to repay.

3. Deposit into your credit card account through bank branches or cash machines and it will be automatically deducted.

Credit card repayment

Introduction:

Credit card repayment refers to when the cardholder’s credit card consumption reaches the final repayment date, in order to ensure that the cardholder With a good credit record, the repayment amount will be brushed out and the funds will be returned to the bank. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only result in legal consequences, but also bear high penalties and interest, and most importantly, may cause Bad records.

Repayment process:

1. Log in to the ATM repayment homepage of the account opening bank and click on credit card repayment;

2. Fill in the credit card repayment information: follow the prompts , select the credit card issuing bank, enter credit, cardholder name, monthly repayment date, repayment amount and contact information and confirm;

4. Complete the payment in the transfer-out debit card online banking: follow Tip, use other bank’s debit card to complete the payment through online banking;

5. The repayment is completed, the transaction is inquired, and the receipt is printed.

How to repay CCB credit card?

Customers can handle CCB credit card repayment in the following ways: 1. Log in to mobile banking, go through the "Credit Card - Card Services - My Accounts - Repay for Me" menu, and follow the prompts. The repayment amount supports the selection of "repayment required in this period", "minimum repayment required" or "enter repayment amount". Warm reminder: If you need to handle foreign exchange purchase and repayment, please do so before 22:00 every day. 2. Follow and enter the "China Construction Bank" WeChat official account. After binding the credit card, enter "repayment" in the official account conversation mode to obtain the link, and follow the prompts to process.

(In case of business changes, please refer to the actual situation.)

How to repay the credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

There are several ways to repay credit cards and how to operate

There are four methods for credit card repayment. The detailed steps are as follows:

1. Bundled savings card repayment

Bundled savings card means that when you apply for a credit card, you must contact the Bank Debit cards are bound to each other, and most cardholders use them as salary cards. Then the last repayment date of the credit card is after the salary punch-in date, then the bank will automatically deduct the amount when the repayment comes. There is no need to remember the time. You only need to ensure that there is enough money in the debit card, and it also saves the money. Most of the time.

2. Online transfer through online banking

When using a credit card, you can open the online banking of the card-issuing bank, so you don’t have to worry about not being able to find the bank and not being able to pay. Just turn on your computer and log in to online banking, enter your password, and complete the repayment easily with a few clicks of the mouse, without paying any handling fees.

3. Third-party repayment

Most customers who choose third-party payment are inconvenient to repay their credit cards and do not want to go to banks from home to home, so they can download a repayment app for their mobile phones. With the payment software, you can complete the repayment business for free with just a swipe of your mobile phone. At present, there are Alipay wallets, as well as mobile life such as China Merchants Bank, or WeChat, now launched on mobile phones, which can also repay credit cards online.

4. Lakala Repayment

Customers who choose Lakala must be in a small number of banks and cannot find any bank branch option. For example, Citibank. There are only two banks in Beijing, and this is where Lakala comes in handy.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank.

Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Credit card online repayment is one of the main repayment methods for credit card repayments at the bank where the account is opened. Online repayment has become a common repayment method for the majority of credit card users.

1. For the payee account name, fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

How to repay with a credit card

The methods of repaying with a credit card are:

1. Repay by depositing at an outlet:

Card holders can Bring cash and credit card to the business outlet of the card-issuing bank, submit a repayment application to the staff, and then with their help, deposit the current balance into the credit card to complete the repayment.

2. Automatic repayment by binding a card:

Card holders can bind their credit card to a savings card of the same company, and then deposit it into the savings card before the repayment date of each period. For some cash, just wait for the bank to automatically deduct the money.

3. Online banking transfer and repayment:

Cardholders can log in to the official website of the card issuer, then find the entrance to the credit card center, log in to their personal credit card online banking account, and repay on time in the corresponding repayment option. Just pay.

4. Third-party platform repayment:

Cardholders can repay their credit cards on third-party platforms such as WeChat, Alipay, and UnionPay QuickPass and follow the prompts.

For more information on how to repay credit cards, go to: View more content

How to use and repay credit cards

When it comes to how to use credit cards, the most important thing is The most cost-effective thing is to use more cards, pay back on time, and withdraw less cash and pay less in installments. As long as you use credit cards reasonably, you don't have to pay interest, annual fees, late fees, etc., and you can turn around funds for short-term investments in the short term, which is still very cost-effective. If you want to use credit cards rationally, you can refer to the following tips:

1. Withdraw less cash and use more cards

It is expensive to withdraw cash from overdrafts on credit cards, and you cannot enjoy the interest-free period. The amount of cash withdrawals is calculated on a daily basis. The interest is calculated at 0.05%, and a cash withdrawal fee is also deducted, ranging from tens to hundreds. Therefore, never overdraft to withdraw cash unless absolutely necessary.

2. Pay the card after the bill date to enjoy the longest interest-free period

The interest-free repayment period of a credit card is from the date of consumption to the due repayment date after the bill date. There is a difference of one month between the longest and the shortest period, so if you swipe your card on the first day after the statement date, you can enjoy the longest interest-free period.

3. Repay on time and in full

When the credit card statement comes out, there will be a final repayment date. Be sure to repay before the final repayment date. If the loan is not repaid by the final repayment date, the bank will not only charge overdraft interest but also late payment fees. In severe cases, it will cause bad credit and cause a lot of inconvenience for future loan applications. Moreover, if you repay in full before the final repayment date (you can exchange the full amount for consumption and cash withdrawals), you can enjoy the interest-free repayment period.

4. Only pay off the debt and avoid overpayment

The overpayment on a credit card is the excess deposit after the credit card holder pays off the debt. For credit card overflow deposits and withdrawals, many banks will charge additional handling fees (some banks do not charge them). Not only do you have no interest, but you also have to pay extra, which is really not cost-effective.

5. Swipe more cards to avoid annual fees

Credit cards charge annual fees. Generally, annual fees start to be charged the following year after application, but most banks require you to swipe your card a certain number of times each year. Or the annual fee for the next year will be waived after the scale is reached. Therefore, you might as well choose to use credit cards for daily shopping. As long as you repay during the interest-free repayment period without paying interest, and you can also accumulate points, why not do it.

6. Save points and redeem gifts

In order to encourage customers to use the card, banks will calculate points based on the amount of customer consumption. Points can be exchanged for gifts or used to offset consumption. So when you usually shop, swipe your credit card wherever you can (regular merchants) and accumulate points to redeem gifts.

7. Rational installment

Many banks provide customers with installment services, ranging from 3, 6, 12, and 24, to facilitate early consumption. However, installment payment will incur additional fees, so if you don’t want to pay the handling fee, try not to choose installment payment if you can afford the consumption.

Credit cards can be repaid in the following ways:

1. In-bank repayment

The repayment methods mainly include: card issuing bank counter, ATM , online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used to repay money directly by swiping the card, and can also perform transfers and other services.

3. Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

4. Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

This is the end of the introduction on how to repay after using a credit card and how to repay after using a credit card by binding Alipay. I wonder if you found the information you need?