As an experienced user of both credit cards and Alipay, I have used Alipay to repay my loans since 2011, so I still have certain rights and reasons to speak.

First of all: let’s understand why Alipay charges fees, especially when choosing to pay off a credit card.

In fact, the reason is very simple. In the early days, the emergence of Alipay did not have a great impact on banks. However, with the development of e-commerce, Alipay has gradually become the largest third-party payment platform in China, and can even be said to have surpassed China UnionPay, a traditional giant.

At this time, banks began to collectively impose some restrictions on Alipay and increase some charging items. Credit card is one of the most important charging items. We often say that credit cards are for the convenience of life. However, while making life more convenient, the interest income collected by banks is decreasing. In order to reduce the losses caused by these platforms, banks have begun to increase the number of credit card repayments such as Alipay and WeChat. The fees charged by the payment platform are the reason why WeChat unilaterally started paying in advance more than a year ago.

The following will introduce three methods for friends to reduce the pressure of paying off credit cards.

1. Alipay’s free limit is 2,000, so if your credit card repayment limit is within 2,000, you can go directly to the Alipay platform to repay it, and you will be exempted from the handling fee at this time. . In addition, you can also use your family members’ Alipay to pay it back for you. In this case, if there are 4 people in the family, there will be a quota of 8,000. If the normal consumption is not much, you can use these quotas.

2. You can directly deposit the money from the savings card into the credit card through online banking. It is also a very convenient repayment method. This method does not charge a handling fee no matter how much the amount is. This is also the purpose of the bank. To stimulate the use of your own client, you still need to use the most cumbersome method, that is, you go to the bank to withdraw a sum of money, and then go to the counter or POS ATM machine to deposit the money into the repayment amount. At this time, the pressure is also very high. Small.

3. Some third-party platforms currently do not charge handling fees for repayment, such as Baidu Wallet and JD Finance, but they also require downloading independent APPs, so I personally recommend downloading a mobile banking, after all, the safety factor higher.