how to repay when the credit card is stopped

how to repay when the credit card is stopped?

under normal circumstances, you can't pay back the money by inserting a credit card, but you can only pay back the money by transfer. Many friends should know that this is only about the amount of money to be paid back, such as paying back the money in full, paying back the money in minimum or paying back the money in installments, which may not be well understood.

generally speaking, when a credit card is cancelled, it will be repaid after the bill comes out. The bill will show two repayment amounts, one is the total amount owed and the other is the minimum repayment amount. If the total amount owed = the minimum repayment amount, it must be repaid in full; If the total amount owed is lower than the minimum repayment amount, it cannot be repaid in one lump sum, so you can choose the minimum repayment amount or installment repayment.

However, no matter which repayment method, you must ensure that you have enough money to repay by yourself, but you are really unable to repay. I suggest that you don't insist on it. You can confess to your family, help them repay, or borrow money from relatives and friends, but you must not use a card to pay off debts. This method of treating the symptoms rather than the root cause will only make you deeper and deeper.

Finally, I would like to remind all cardholders that they should correctly understand the functions of credit cards, rationally overdraw, rationally plan their funds when using credit cards, spend within their own ability, and do not be over-indebted. We should also standardize the use of credit cards, not give banks the opportunity to risk control, and prevent credit cards from being stopped by banks, so that they can be used for a longer period.

can I repay my credit card slowly after it is stopped?

I can repay my credit card slowly after it is stopped. However, if the arrears are not paid off as soon as possible after the card is stopped, the unpaid part will generate overdue interest every day, so the longer the arrears are, the more overdue interest will be. Although slow repayment can reduce the pressure of repayment, it increases the overdue interest. In addition, due to overdue credit cards, there will be overdue records of credit cards in the credit investigation. If the credit card arrears are not paid off as soon as possible, the records will always exist.

credit card repayment method:

1. intra-bank repayment. The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. mobile phone repayment. Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer.

3. convenience store repayment. Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

4. online repayment. The common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

if the credit card is deactivated, the cardholder can call the issuing bank and ask the customer service of the bank to restore the deactivated credit card or reissue it.

deactivation type 1: the bank thinks that the transaction of the credit card is abnormal and may be attacked by hackers or other criminals. For the safety of the cardholder, the bank freezes the credit card.

solution: in this case, if the credit card is stopped, the cardholder can call the issuing bank and ask the bank to reissue the credit card. After getting the new card, the card will be opened directly and the original credit card will be cut off.

type 2: if the cardholder fails to repay the loan on time for more than three consecutive months, the issuing bank has the right to unilaterally deactivate the credit card. In addition, in this case, even if the credit card is stopped, the late payment fee and interest still exist in the cardholder's bill will continue to increase. If the amount reaches the bank's regulations, the bank can hold the cardholder, and if the amount is large, the cardholder will be punished.

Solution: Therefore, if the credit card is stopped, the cardholder had better pay back the full amount owed on this credit card. At the same time, in order to avoid the blacklist of credit records, it is best to reactivate this credit card, repay it on schedule, and use the continuous period to offset the original bad credit record. Otherwise, the cardholder can not only apply for other credit cards, but also apply for financial loans such as mortgage.

how can I repay my credit card when it is stopped? This can be repaid free of charge!

For a period of time, major banks stepped up their risk control efforts. Many cardholders' credit cards were stopped because they touched the risk control point, so they broke the jar and broke it. They thought that since the banks would not allow them to use their cards, they simply wouldn't repay them. Anyway, they might not be able to use their cards after paying back the money. Is this really feasible? If not, how can I repay my credit card if it is stopped? Let's take a look at it.

do I have to repay my credit card after it has been stopped?

That's for sure. The credit card has been stopped, but it can't be used. If there is still money in the card, you must repay it. Of course, you can choose not to repay it at will, but the consequences will be more serious. After all, if the credit card fails to repay within the specified time, it will be overdue first, resulting in bad credit, and in all likelihood, it will be rejected for handling credit cards, mortgages, car loans, etc.

in addition, you will also be collected by various means of the bank. If the overdue time exceeds 3 months, and the principal of the arrears reaches 5, yuan after the effective collection by the bank twice, then you will constitute a credit card, and the bank will report to the public security organ, and then you will be arrested and punished. Therefore, it is better to repay the money obediently.

so, how can I repay my credit card if it is stopped?

credit cards can't be used when they are stopped, so they can't be repaid directly at ATMs, but they can be repaid through online channels:

1. Repayment by mobile banking: most banks' mobile banking interbank transfers are free, and the arrival speed is relatively fast, and the account can be received in real time at the earliest.

2. China Unionpay Quick Pass APP repayment: Now Alipay, WeChat and credit card are charged. If you want to repay for free, you can use China Unionpay Quick Pass APP. There are 21 banks that can repay for free. Generally, the repayment can be received on the same day, which is quite fast.

How to repay the loan when the credit card of Bank of Beijing is suspended

Cardholders bring their ID cards, full cash and credit cards to the business office of the issuing bank, and there is no other way.

the credit card has been stopped, and the money owed still needs to be repaid on the repayment date.

the credit card has not been paid off, and the user has not paid back on time, which easily leads to the overdue of the credit card.

moreover, timely repayment by users is beneficial to credit card recovery. After paying off the arrears, users can try to apply for card recovery.

Credit card deactivation is generally caused by overdue or illegal use, and the credit card can be restored after the problem is solved.

This is the end of the introduction about how to repay the credit card and how to stop it. Did you find the information you need?