Although the third-party payment software can directly repay the credit card, it usually charges a certain fee, and users do not charge a fee for direct repayment through mobile banking, online banking and other channels.
Extended data:
Minimum repayment amount of credit card:
It's ok to pay by credit card according to the minimum repayment amount. It is the repayment method provided by the bank for the cardholder and will not affect the cardholder's credit information. At present, there are three repayment methods for credit cards, the first is full repayment, the second is installment repayment, and the last is minimum repayment. When the credit card repayment date arrives, cardholders who have no money to repay in full will choose installment repayment or minimum repayment amount.
The cardholder who repays by installments can choose to repay by three installments, six installments, nine installments and 12 installments. The minimum repayment amount is 10% of the total consumption, such as the cardholder's consumption 10000, and the minimum repayment amount is 1000 yuan. The installment repayment bank charges installment fees, and the lowest repayment bank calculates interest at the daily interest rate of 0.05%.
Appropriate choice of installment repayment or minimum repayment amount is also beneficial to increase the credit card limit, but if the credit card has been repaid according to the minimum repayment amount, it may make the bank doubt the cardholder's economic ability and lead to a decrease in the credit card limit. The minimum repayment amount is calculated on a daily basis. If you can't repay in full as soon as possible, it is recommended to choose installment repayment.
Credit card repayment date modification:
The repayment date of a credit card generally depends on the billing date of the credit card, which is basically not the 20th day after the billing date, nor the 25th day after the billing date. Therefore, to change the repayment date of the credit card, just change the billing date of the credit card.
Different credit cards have different billing dates, because billing dates are generally randomly assigned by the system. And some bank credit cards can change the billing date, while others can't. You must confirm this before you change money.
If you want to change it, call the customer service hotline of the bank where the credit card belongs and ask the customer service staff to change it for you. If the billing date is changed, the repayment date will naturally change. Some banks can also apply for revision on the credit information app, but the billing date of the credit card can only be revised once every six months or once a year.