How to apply for one-year repayment with a rural credit cooperative credit card
The rural credit cooperative credit card provides the following repayment methods: 1. Repayment over the counter. The cardholder himself brings his original valid ID card, credit card, and cash to any branch of the Rural Credit Cooperative for over-the-counter cash repayment
When applying for a loan at a Rural Credit Cooperative, the loan period is one year. If it is not due yet, you can repay it in advance. As long as you apply for early repayment, and after approval, you can pay off the remaining principal in one go.
What are the loan repayment methods of rural credit cooperatives? It is easy to understand the repayment of rural credit cooperatives
Many friends have come into contact with rural credit cooperative loans, but the loans of rural credit cooperatives are relatively small. Many people don’t know how to repay rural credit loans. So what are the loan repayment methods of rural credit cooperatives? Let me tell you about it today.
1. Rural credit cooperative loan repayment methods are:
1. Annual interest settlement, one-time repayment of principal and interest upon maturity
2. Quarterly interest settlement, principal repayment in installments
3. Quarterly interest settlement, one-time principal and interest payment upon maturity
2. Rural Credit Cooperative credit card repayment methods are:
1. Automatic repayment: Automatic repayment is also called agreed repayment. Provincial Rural Credit Card and Rural Commercial Bank credit cards support automatic repayment associated with Provincial Rural Credit Card and Rural Commercial Bank debit card or quasi-credit card accounts, and credit card accounts are deducted from the debit card or quasi-credit card account on a regular basis every month. There is no handling fee for repayment using this method, and it can be handled through the Provincial Rural Credit Bank, Rural Commercial Bank online banking, branch counters, and credit card customer service hotlines.
2. Online repayment: Credit card holders can repay through the provincial rural credit card, rural commercial bank online banking or other banks' online banking transfer. There is no handling fee for repayment through our bank's online banking. If you make transfer repayment through another bank's online banking, you need to consult the other bank for the handling fee.
3. Mobile phone repayment: Cardholders can repay through the provincial rural credit card, rural commercial bank mobile client, provincial rural credit card, rural commercial bank outlet counter repayment, provincial rural credit card, rural commercial bank self-service machine Repayment, other bank counter transfer/remittance repayment, other bank self-service machine repayment, these are the methods of repayment.
3. Rural Credit Cooperative student loan repayment methods:
1. The loan interest during the student’s study period is calculated according to the loan benchmark interest rate applicable to the agreed loan period. The loan interest paid does not include compound interest.
2. Repayment of the principal and interest of the loan after the borrower graduates: If the loan period is within 1 year (inclusive), a one-time repayment of principal and interest upon maturity can be adopted; if the loan period is more than 1 year, the borrower can The equal principal repayment method or the equal principal and interest repayment method can be adopted. It can also be repaid in monthly or quarterly installments, or it can be returned in one lump sum when it is due. If the repayment method needs to be changed, the borrower should change the repayment method before the student graduates and leaves school. Submit an application to the agency, go through the repayment confirmation procedures, formulate a repayment plan, and sign the "Student Loan Repayment Supplementary Agreement." Loan interest owed after graduation accrues compound interest.
3. Lenders allow qualified borrowers to repay their loans early. The specific method of early repayment is determined by the borrower and the lender through negotiation, and interest is calculated based on the actual term of the loan, and no other fees other than the interest payable are allowed.
4. The lender can also agree on a 2-year loan grace period in the contract depending on the student's employment situation after graduation. During the grace period, only interest will be paid but not the principal. The loan principal will be repaid after 2 years. To be paid off within the contract period.
The above is an introduction to the loan repayment methods of rural credit cooperatives. I hope it can help everyone.
How to repay the credit card repayment of rural credit cooperatives
1. Repayment through credit union channels, that is, the amount to be repaid at credit union ATMs and other self-service deposit machines, or at the counter. Deposit into a rural credit card account for repayment. In this way, the repayment can be credited to the account in real time, and the credit limit will be restored immediately upon arrival.
2. For inter-bank transfers and repayments from other banks, including but not limited to online banking, mobile banking, ATM transfers from other banks, etc., you must pay attention to the payment time. Generally, the inter-bank transfer time of the receiving bank is faster. , and most banks can make repayments free of charge.
3. Activate the automatic deduction service and bind a debit card to the rural credit card. The repayment will be automatically deducted from the debit card upon maturity, but only on the last repayment date every month. To deduct money once on the day, you need to ensure that there is enough money in the debit card for repayment before the deduction date. Otherwise, if the deduction fails, you will need to repay manually.
4. Repayment through third-party channels, such as UnionPay Cloud Quick Pass APP, WeChat, Alipay, etc. The handling fees involved in repayment through different third-party channels are different. If you want to repay for free, use UnionPay Cloud Quick Pass. The APP is a good choice, as the payment is received quickly and there is a chance to win repayment red envelopes. Finally, I would like to remind you that the above are the most common repayment methods for rural credit cards, but which one is suitable depends on the regulations of the card issuer. If you are not sure which method is applicable, or if you encounter any problems during repayment, it is recommended to call the Agricultural Bank of China credit card service hotline directly to consult customer service.
: (Operating system: Alipay Apple 12, ios14, Alipay version 10.2.3)
Rural credit cooperative loan repayment is directly repaid to the bound repayment account. When you apply for a rural credit cooperative loan, you will have a repayment savings card. When repaying, you only need to repay the current month's repayment amount into the repayment savings card. The repayment savings card will automatically deduct the money for repayment. .
1. Follow and open the "Alipay" APP software on your mobile phone.
2. After logging in to the software, find and open the "Credit Card Repayment" function on the home page of the software, and click to enter.
3. Then click "Add Repayment Type" at the top of the page.
4. In the pop-up menu below, select Add "Repay Credit Card".
5. Then enter the rural credit cooperative credit card information on the page and click "Confirm" below.
6. After successfully adding the rural credit cooperative credit card, you can click to enter the repayment operation. Enter the "repayment amount" and click to issue "Confirm Repayment" to enter the payment process. You can repay with a credit card from a rural credit union.
How to repay Hubei Rural Credit Cooperative credit card?
Repay over the counter at an outlet.
You can choose between "full repayment" or "minimum repayment". When you choose to repay in full, the consumption payment can enjoy an interest-free period of up to 54 days.
According to Article 13 of the "Hubei Provincial Rural Commercial Bank Fuka Credit Card Regulations":
The cardholder shall use the logo of the credit card organization or company on the card (including but not limited to VISA
, MasterCard, UnionPay), and can be used at domestic and overseas acceptance points with this acceptance logo, as well as other special merchants (including online merchants), business outlets, and self-service equipment designated by the card issuer.
Card holders’ consumption, cash withdrawal and other transactions at home and abroad must comply with national laws, regulations and rules, as well as relevant regulations of card issuers, special agencies and credit card organizations or companies. Cardholders who use credit cards to conduct business through electronic banking channels must abide by the card issuer's relevant regulations, agreements and transaction rules for electronic banking business. Corporate cards cannot directly withdraw cash.
Extended information:
According to Article 16 of the "Hubei Provincial Rural Commercial Bank Fuka Credit Card Regulations":
For any transaction using a password, the card issuer All transactions are deemed to be made by the cardholder himself. All types of transactions such as card consumption, deposits and withdrawals, online payments, and mobile payments are processed for the cardholder based on electronic information such as passwords. The electronic information records generated by the transaction are all transactions. valid credentials.
For transactions conducted without using a password, the transaction voucher signed by the cardholder and other supporting documents agreed between the card issuer and the cardholder, or other confirmed basis proving the cardholder's consumption , is a valid proof of completion of the transaction, unless otherwise agreed between the cardholder and the card issuer.
Hubei Rural Credit Cooperative (Rural Commercial Bank)-Repayment Service
How to repay rural credit cards? Try these methods
Although rural credit cards are credit cards issued by rural credit cooperatives, they must be repaid after overdraft consumption. Overdue repayment will also affect credit, and many people are concerned about the repayment of rural credit cards. The payment method is not very clear. If you want to know how to repay, let’s learn about it together.
How to repay rural credit cards?
Rural credit cards are essentially credit cards, and the repayment methods are similar to credit cards issued by banks. There are the following types:
1. Repayment through credit union channels, that is, at credit union ATMs, etc. The self-service deposit machine or counter will deposit the amount to be repaid into the rural credit card account for repayment. In this way, the repayment can be credited to the account in real time, and the credit limit will be restored immediately upon arrival.
2. For inter-bank transfers and repayments from other banks, including but not limited to online banking, mobile banking, ATM transfers from other banks, etc., you must pay attention to the payment time. Generally, the inter-bank transfer time of the receiving bank is faster. , and most banks can make repayments free of charge.
3. Activate the automatic deduction service and bind a debit card to the rural credit card. The repayment will be automatically deducted from the debit card upon maturity, but only on the last repayment date every month. To deduct money once on the day, you need to ensure that there is enough money in the debit card for repayment before the deduction date. Otherwise, if the deduction fails, you will need to repay manually.
4. Repayment through third-party channels, such as UnionPay QuickPass APP, WeChat, Alipay, etc. Different third-party channels involve different handling fees. If you want to repay for free, use UnionPay QuickPass. The APP is a good choice, as the payment is received quickly and there is a chance to win repayment red envelopes.
The last thing to remind is that the above are the most common repayment methods for rural credit cards, but which one is suitable depends on the regulations of the card issuer. If you are not sure which method is applicable, or if you encounter any problems during repayment, it is recommended to call the Agricultural Bank of China credit card service hotline directly to consult customer service.
How to repay Yunnan Rural Credit Cooperative’s credit card (debit card)?
Yunnan Rural Credit Cooperative’s credit cards (debit cards) have a variety of repayment methods, and users can repay directly using the mobile banking APP. Or log in to the Yunnan Rural Credit Cooperative online banking and repay directly on the online banking. In addition, there are also third-party software that can help repay credit cards (credit cards), such as Alipay, WeChat, JD Finance, Union QuickPass, etc. It should be noted that third-party software may need to pay a handling fee to repay credit cards (credit cards). .
Therefore, users can choose the most convenient way to repay, and try to choose a repayment method that does not require payment of handling fees.
That’s it for the introduction of rural credit cooperative credit card repayment.