How to repay a credit card loan
How to repay a credit card loan
How to repay a credit card loan and Alipay payment are already familiar to people who love online shopping. People have become accustomed to this convenient payment method and regard Alipay repayment as their first choice for credit card repayment. Here are various ways to repay a credit card loan.
How to repay a credit card loan 1
1. Bind a savings card for automatic deduction
Many credit card issuing banks now provide automatic repayment services. In other words, If you have a savings card from this bank, as long as you set up automatic deduction, the bank will automatically deduct the payment when the credit card is about to expire. But the premise is that there must be money in the savings card. If the amount of funds in the card is too small and not enough to be deducted, it will be very troublesome when it becomes overdue.
2. Online banking transfer repayment
You can log in to your personal online banking or credit card website, and with just a few clicks of the mouse, you can not only repay your own credit card, but also repay for others. Repayment. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to recognize the website address every time you log in, and do not set a simple password. If the password is leaked, there is a risk that the account will be stolen.
3. Mobile banking repayment
Mobile banking repayment is currently the most popular credit card repayment method among young people. As long as you install the bank client on your mobile phone, you can make repayment no matter where you are. You can easily repay anytime and anywhere at the touch of a finger. Since credit card repayment is a fund transfer business, for the sake of fund security, you need to activate the advanced version of mobile banking.
It should be noted that mobile phones can be operated in various situations. You must pay attention to the protection of passwords and the safekeeping of mobile phones. Once your mobile phone is lost, you must immediately report the loss to the mobile operator and cancel the mobile banking service.
4. Alipay repayment
Alipay payment is already familiar to those who love online shopping. Many people have become accustomed to this convenient payment method and will also pay Alipay. The first choice for credit card repayments. In addition, Alipay promises that repayment will arrive within 2 hours, but three conditions must be met: first, the repayment must be made by mobile phone transfer, second, the repayment amount is less than RMB 50,000, and third, the transfer and repayment time must be within bank service hours.
5. WeChat repayment
Currently, there are two ways to repay WeChat credit cards: jump to online banking, mobile banking to handle credit card repayments, or use the bank’s WeChat official account to chat on WeChat to make repayments. payment. It should be noted that WeChat can only repay credit cards directly through the bound debit card. In addition, there is no handling fee for using WeChat to repay, the single and daily limit are 20,000 yuan, and the monthly limit is 50,000 yuan.
6. Online repayment with credit card management APP
The advantage of using Kanniu credit card management APP for online repayment is that you can check the bill date and repayment due date with just one mobile software. , the total amount of repayment due in the current period, the minimum repayment amount and other basic personal account information - repayment reminder - supports online repayment, which can be completed in just a few steps, without having to jump back and forth on the mobile phone interface, check the credit card balance, and check the credit card balance whenever the bill is issued When there are decimal points, you need to memorize them carefully, and then go to another software or platform to choose repayment.
7. Repayment at the counter or ATM machine
At present, very few people use this repayment method. It is generally used by elderly or conservative people. . It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount shall be an integral multiple of 100. The single transaction limit is the same as the existing UnionPay ATM cash withdrawal transaction limit of the transferring bank, and the maximum daily limit shall not exceed 20,000 yuan, and the handling fee will be deducted from the transfer card.
8. Convenience store Lakala repayment
Lakala repayment is a convenient credit card repayment service. At present, Lakala convenience payment points have grown to nearly 90 cities across the country, with the number exceeding 30,000. They can be found in convenience stores, supermarkets, and community stores. There is a unified charging standard for credit card repayment using Lakala: currently only Bank of China (other regions across the country except Shenzhen), Agricultural Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing, and China Construction Bank (the bank's card repayments are free of charge) ) There is a handling fee of 2 yuan for credit card repayment, and there is no handling fee for other banks.
Instalment repayment is more favorable
If the funds are not available for a short period of time, you can also consider using installment repayment to repay the debt.
Although installment repayment does not accrue interest, you will have to pay a handling fee. The handling fee here is actually "interest" charged by the bank in disguise.
At present, most banks provide cash installment services in the form of 3, 6, 12, and 24 installments. Some banks also provide installments as short as 1 month and as long as 36 installments. . As for the handling fee rate, the situation of each bank is also different, but the overall difference is not big. Taking 12 periods (i.e. 1 year) as an example, it is basically between 7.8% and 9% annualized. Taking China Merchants Bank [-0.56% Fund Research Report] as an example, cardholders can apply for bill installments. The handling fee for three installments is 2.6%, the handling fee for six installments is 4.2%, and the handling fee for 12 installments is 7.2%. During the first repayment One-time charge.
How to repay a credit card loan 2
First, the advantages of credit card loans
How to get a credit card loan? What is the process? For such questions, it is also very important to understand the advantages of credit card loans. When using a credit card to apply for a loan, the approval speed is very fast. According to different regulations of different banks, it can basically be successfully processed in one to two working days. Moreover, the procedure is very simple. You can apply for a loan by phone or online. It greatly facilitates people's application process and effectively meets people's loan needs.
Second, credit card loan application process
1. Apply to the bank
In order to effectively obtain a credit card loan, the most direct way is to apply to the bank Valid application. However, due to bank regulations, when applying, it cannot be said to be a credit card loan, but should be called a cash installment application.
2. Provide valid information
When applying to the bank, customer service staff will ask the user some questions.
(1) It is the credit card, the user’s name and the 3-digit number on the back of the credit card, which is the CVV code.
(2) It is necessary to understand the purpose of the user's application for cash installment.
(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling fee, which should also be understood through the explanation of the customer service staff, and then the user himself To choose the appropriate number of installments for repayment based on the actual situation.
3. Review required by the bank
When a user applies for cash installment, the bank will conduct an effective review of the user's application, including reviewing the user's personal information, such as whether Whether the personal information is accurate, etc., the user's loan limit must also be reviewed, which is closely related to the user's usual credit record and repayment status.
How to repay a credit card loan 3
1. What conditions are required for a credit card loan? 1. Generally, banks will stipulate that you must have worked in the current unit for 3 months;
2. You must have no bad credit record and your monthly salary income must meet certain standards before you can apply;
3. If you have used a credit card, you can just go to the bank counter to apply, but The amount will not be very high;
4. The borrower's debt situation is good and he has the ability to repay;
5. He has a certain income and is stable, forming a stable bank flow.
2. What does credit card loan mean?
Credit card loan means that the bank grants a certain amount of money based on the credit status of the credit card holder, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.
The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's need to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.
How to apply for a credit card loan
1. Apply by phone. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan.
2. Go to the bank to apply. You need to provide credit card information, such as name, credit card loan purpose, etc., and wait for the bank to review your information.
Whether the information provided is accurate, you need to confirm that it is you who is handling it.
Teach you four credit card (credit card) repayment methods
While credit card (credit card) provides us with convenience, how to make credit card (debit card) repayment To save money and worry, it is important to choose the right credit card (debit card) repayment method. At present, the well-known credit card (debit card) repayment methods mainly include over-the-counter repayment, online banking, self-service terminal transfer repayment, and agreed account automatic repayment.
UnionPay repayment business means that credit card (debit card) cardholders transfer funds from their debit cards to credit cards (credit cards) through the UnionPay website. In order to ensure the security of funds, UnionPay payment requires repayment with the same name, that is, the debit card and credit card (credit card) must first pass the real-name verification and confirm that it is the card with the same name, before repayment can be initiated.
At present, some banks have opened the repayment function with the same name. During the promotion period, UnionPay will not charge users cross-bank and cross-region handling fees, and it can be operated directly without opening online banking and other services at the counter. The monthly credit card (credit card) repayment limit for cardholders is RMB 20,000. That is, regardless of how many credit cards (credit cards) or debit cards the cardholder has, the monthly repayment on the platform cannot exceed RMB 20,000. . Since different credit card (debit card) centers have different entry times, the general entry time is before 12 o'clock on the third working day after the repayment operation, and will be postponed in case of weekends and statutory holidays. It is understood that currently only 10 banks can provide real-time feedback. And transfers out and into bank cards are not yet comprehensive.
Compared with UnionPay, the advantage of Kuaiqian is that it supports a larger number of transfer-out debit cards and transfer-in credit cards (credit cards), including the four major banks (including Bank of Communications and China Merchants Bank), Minsheng, Debit cards from 21 banks including Industrial Bank and Shanghai Pudong Development Bank can be used to transfer funds out, while credit cards (debit cards) from 15 banks including ICBC, Agricultural Bank of China and China Construction Bank can be used for repayment here. And like UnionPay, the online repayment service provided by Kuaiqian does not charge any handling fees.
As for the arrival time, there are the following repayment methods. Bank of Ningbo has real-time payment, Shanghai Pudong Development Bank has T1 working day, China Merchants Bank, Industrial Bank, Everbright and Communications Bank have T1 working day, CITIC has T2 working day, ICBC, Agricultural Bank of China and China Construction Bank have T3 working day. What I would like to remind you here is that the arrival time will generally be postponed during holidays. Therefore, in order to avoid exceeding the repayment period, it is recommended that you run the repayment 5 days in advance.
There are three ways to repay credit cards (debit cards) on Alipay: online banking, that is, on the Alipay platform, Alipay card, and withdrawal of balance. The withdrawal balance is received in the Alipay account and can be used Repayment is performed on the withdrawn balance. Currently, this service is free. It should be noted that you can also repay other people's credit cards (debit cards) through online banking. You can only repay yourself through card or withdrawable balances, and you cannot repay on behalf of others. At present, Alipay does not support "repaying credit cards with credit cards (credit cards)". All transaction funds repaid with credit cards (credit cards) will be refunded within 3 to 5 working days. to the original card. Among the several banks that can use Alipay accounts to repay credit cards (debit cards), China Merchants Bank can receive the payment within one day, while Guangdong Development Bank, ICBC and Bank of Communications will take two days to receive the payment, and the time to check the account online will be delayed by one day.
In addition, in terms of ensuring security, Alipay has launched a digital security certificate, which is shared with banks. However, these security measures also have their own drawbacks. For example, the use of digital certificates is not particularly convenient and requires downloading and installation. It is generally aimed at fixed computers and is only suitable for high-end users.
To use "Lakala" to repay, just swipe any debit card with the UnionPay logo on the terminal at an outlet equipped with "Lakala" equipment to a credit card (credit card) Just transfer money. These outlets are generally located in supermarkets, pharmacies, and convenience stores. After repayment, the credit limit will be restored after three working days at the latest. However, the rules of each bank are different. For example, China Merchants Bank and Everbright need to repay three working days before the due date, while Agricultural Bank of China and Bank of China need to repay before the due date. For repayment two working days before the due date, Guangfa must repay one working day before the due payment date, otherwise the bank will charge late payment fees, and Industrial Credit Card (debit card) supports repayment on time. Therefore, it is best to complete the repayment three working days before the final repayment date. There is no handling fee for repayment through "Lakala", and there are no handling fees for repayment of debit cards and credit cards (debit cards) of different banks.
In terms of security, its security is guaranteed by UnionPay terminal certification. The security level is on the same level as POS machines deployed in major shopping malls and supermarkets, so everyone can use it with confidence.
How to repay the China Construction Bank credit card (debit card)?
There are many ways to repay CCB credit cards (debit cards). Here are some of the most common repayment methods:
1. Online repayment: repayment Through software such as Alipay, WeChat, or China Construction Bank's app, people can click on the credit card (credit card) to repay and then bind the credit card (credit card) that needs to be repaid and enter the repayment amount to achieve bank card repayment.
2. Outlet repayment: The cardholder takes the card to be repaid and his or her ID card to a CCB branch to handle the repayment business.
3. Self-service terminal repayment: The cardholder goes to the China Construction Bank self-service terminal and runs the repayment operation on the ATM machine or CDM machine.
How to repay a credit card loan?
If you apply for CMB E-loan or cash installment, you can repay in the following ways:
1. E-loan: You can use the CMB All-in-One Card in your name, or For designated savings cards from other banks, repayment can be made through mobile life, mobile banking, and online banking channels. When repaying, please be sure to select "eZhao Loan Account" as the account type!
Warm reminder: ① eZhaodai has independent bills, and the bill date is consistent with the personal card bill date.
② After repayment, it is usually credited to the account 2 days later, and the e-loan limit can be restored only after the credit is credited.
2. Cash installment: After the cardholder successfully applies for cash installment, the installment amount will be included in the bill starting from the latest installment, that is, repayment will begin from the current month.
The principal repayable in each installment of cash installment = the total principal amount of the installment and the number of installments. The principal repayable in each installment (accurate to cents) will be credited to the cardholder’s credit card account month by month, and the remainder will be credited to the last payment. Expect.