What method can be used to repay Ping An Credit Card without handling fees?

1. There is no handling fee if all the outstanding balances of Ping An Bank Credit Card are paid off before the repayment date. Handling fees will only be charged if the payment is overdue after the repayment date.

2. Ping An Credit Card Fee Information:

Late payment fee: 5% of the unpaid portion of the minimum repayment amount, the minimum charge is RMB 20;

Peers Cash withdrawal handling fee: 2.5% of the transaction amount, the minimum charge is 25 yuan;

Inter-bank cash withdrawal handling fee: 2.5% of the transaction amount, the minimum charge is 25 yuan;

3. Repayment Payment methods

1. In the card issuing bank

This method includes: 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. Transfer/remittance repayment

It 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.

3. Online repayment

The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Extended information

Repay credit card payments on time

Card holders should pay special attention to the last payment date of their credit card, which is the interest-free repayment period. On the last day of the year, repayments before this date will be interest-free. If the payment is overdue, all consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis from the day the consumption occurs, using the consumption amount as the principal, and the daily interest will be 10,000 yuan. Fifth, compound interest will be charged on a monthly basis, and late payment fees will be charged at the same time.

So when using a credit card, you must repay it in time, otherwise it will cause overdue payment. Consequences of overdue payment:

1. Liquidated damages are incurred, which are generally 5% of the unpaid portion of the minimum repayment amount.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.