1. Specific operation methods for repaying credit cards:

1. The cardholder must find an intermediary or individual to repay the bill before it is due.

2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.

3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.

4. Then use the POS machine provided by the other party to withdraw the same amount.

5. Finally, the cardholder pays the return fee to the returner.

Credit card agency still has certain risks. You must find a formal agency to avoid being defrauded of personal information and property.

2. What platforms are available to repay credit cards on your behalf?

1. Repay credit cards through JD Gold Bars

Everyone is familiar with JD Gold Bars, as long as If the user's credit score reaches the standard and meets the conditions, he or she can obtain a certain quota, and then apply for a loan within the quota, which can be directly transferred to the credit card. The interest rate during the activity is 0.45% per day.

2. Repay the credit card through Jiebei

There is a Jiebei in Alipay. Users with a sesame score of 650 or above have the opportunity to obtain a credit limit and apply for a loan in Jiebei to repay the credit card. , and then repay the money to the loaner. The daily interest rate is 0.4%, which is lower than that of banks.

3. Repay credit cards through Huanbei

Huanbei is a repayment product of Shanghai Shuhe Technology. It can help users repay credit cards in low-interest installments, and the users will then repay the money. Yes, and the interest you pay back is 50% off the minimum credit card repayment interest rate.

4. Repay the credit card through Shengbei

Shengbei is loaned by Harbin Bank. There are three loan periods of 3, 6, and 12 to choose from. The handling fee is paid by the bank. About 70% off.

Credit card agency still has handling fees and interest. You can try not to repay it on your behalf. You must also pay attention to whether the agency is reliable to prevent being cheated.

3. Credit card repayment means that when the cardholder’s credit card reaches the final repayment date and the cardholder is unable to repay the full amount and does not want to pay the bank’s high interest, in order to maintain a good balance sheet Credit card repayment records, entrusting others to repay credit card bills on your behalf. The cardholder then withdraws the repayment amount by swiping the card for consumption and returns the funds to the repayer. In fact, for banks, credit card agency is still an illegal operation. Because later repayments to the repayer may involve cashing out. In addition, credit card payment will only increase the repayment pressure for people with poor self-control.