The method is as follows:

Platinum and gold members of WeChat Wealth Management can participate in the "scheduled repayment" function, and these two membership levels are also credit card-free; Or users can participate in the "Wage Finance Plan" of Licaitong, make a fixed investment in 500 yuan or above, and make an appointment to return the credit card free of charge.

How to pay back the credit card with WeChat change without handling fee? Know a few free repayment skills!

There are many payment methods for WeChat and credit cards, such as change payment and bank card payment. If you upgrade the change to a change pass, you can also pay back the credit card through the change pass. Then, is there a handling fee for returning the credit card with small change? Is there any way to avoid handling fees? Let's take a look together.

Is there a handling fee for returning credit cards with WeChat change?

The change card supports credit card repayment, but the change card is one of the wealth management products on WeChat, so using it to repay the credit card will pay a certain handling fee according to the WeChat credit card charging rules.

As far as I know, there is a free limit of 5000 yuan for WeChat change repayment credit card. If your accumulated monthly repayment exceeds 5,000 yuan, the excess will be charged according to the new standard. If the monthly repayment amount is less than 5000 yuan, there is no need to charge a handling fee.

How to pay back the credit card with WeChat change without handling fee?

Friends who want to pay back their credit cards for free through WeChat change pass will be disappointed. No matter how they repay the loan, this fee will be paid. I can only introduce several other ways to return their credit cards for free:

1. Platinum and gold members of Licaitong, as well as users who have transferred to 500 yuan and above through the "Love Fixed Investment Plan", can continue to enjoy free handling fees;

2, the mobile phone Alipay APP can repay the credit card for free, but the computer side has to repay the fee;

3. Jingdong Financial APP can also pay back credit cards for free;

4, UnionPay China UnionPay Express APP, credit card interbank transfer is free;

5. The mobile banking of the bank can also pay back the credit card for free.

The above is "How to pay the credit card for free with WeChat change? Learn a few free repayment skills! " Related introduction. As one of WeChat's wealth management products, Licaitong also charges for credit card repayment according to the new standard from August 1, and can't repay for free, but you can choose other channels to repay for credit card for free.

How does WeChat pay back the credit card for free?

Log in to the WeChat client.

Click "I" → wallet → credit card repayment;

Select the credit card to be repaid or add a new credit card → enter the repayment amount → click Repayment Now to complete the repayment.

Since the launch of WeChat credit card repayment function, various functions have been continuously improved, and it has supported online inquiry of credit card bill amounts of 22 banks including China Bank, Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, Minsheng Bank, Shanghai Pudong Development Bank, China CITIC Bank and Huaxia Bank.

Provide more convenient repayment service for credit card users; Wechat credit card repayment innovatively launched special functions such as regular repayment and crowdfunding repayment.

Among them, by making an appointment for repayment, users can deposit repayment funds into Tencent Licaitong for value-added before the repayment date.

Automatic repayment to credit card account before maturity; At the same time, through crowdfunding repayment, users can invite friends to repay for themselves and make repayment; At the same time, you can also invite friends to repay for yourself.

How to operate the WeChat free credit card?

The specific method is as follows:

1. After opening WeChat (8.0. 15), click My button in the lower right corner, and select the option of clicking wallet in the personal interface.

2. Then, on the wallet page containing many functional modules, click the first credit card to repay.

3. Next, if you haven't added a credit card, there will be a welcome interface. Click the button I want to repay at the bottom to continue. Ask us to add a credit card to it, enter our name accurately, and then click the Confirm Add button.

4. Then enter the repayment page and enter the amount to be repaid. At this point, the arrival time and handling fee will be displayed below. For example, if you enter 1000, you need to pay a handling fee of 1 yuan.

5. Click the exclamation point on the right side of the handling fee to pop up a small window showing the handling fee collection rules.

6. We will return the page to the wallet interface and click on the financial management module.

7. On the financial management page, slide the phone down to find a life service that pays back the credit card, and click.

8. There is also a welcome interface. Click on the settings at the bottom, make an appointment for repayment, and then you will enter the credit card repayment page. Click the I want free button on the right side of the repayment fee.

9. Then there will be a free explanation. As long as you invest in 500 yuan and above every month, you can be exempted from handling fees, that is, you can enjoy preferential policies from transferring money to 500 yuan and above. It's equivalent to depositing money in Licaitong and then returning the credit card.

Alipay provides a free quota of 2000 yuan per person per month.

In other words, there is still no charge for credit card repayment within 2000 yuan, and only a service fee of 0. 1% is charged for the excess.

For example, if you want to pay back 3,000 yuan on your credit card through Alipay, first subtract 2,000 yuan from the free amount, and the service fee you need to pay is10000.1%=1yuan.

Since August 1 day, 2065438, the repayment function of WeChat credit card has been adjusted. Except for Platinum and Gold members of WeChat Wealth Management and users who successfully transfer money to 500 yuan or above every month, they can continue to enjoy free repayment. In other cases, credit cards are repaid through WeChat, and a handling fee of 0. 1% is charged for each transaction, with a minimum handling fee of 0. 1 yuan.

Because Alipay has a free credit card repayment amount of 2,000 yuan, no matter how much it pays, Alipay is less than WeChat by 2 yuan.

This is the end of the introduction on how to return credit cards by WeChat and how to return credit cards by WeChat for free. I wonder if you found the information you need from it?