What should I do if I have no money to repay my credit card on the last repayment date? Does it mean that my credit card will expire, which will affect my personal credit record? In fact, card friends can repay each other with two credit cards. Today, I will tell my card friends how to repay each other with two credit cards.
1, cash withdrawal by credit card
You can directly withdraw the amount in one of the credit cards through ATM or the counter, which is a more formal way. However, banks will charge a handling fee and five ten thousandths of daily interest, and the rules for specific withdrawal fees are different from bank to bank. Using this method, the cardholder needs to remember the billing date and repayment date of two credit cards.
Prompt: The accounting date for repayment of card A and card B must be several days, and the accounting date for repayment of card B and card A must be several days. For example, the billing date of A card is 19, the repayment date is 9, the billing date of B card is 5, and the repayment date is 25.
2. Help others swipe their cards
Use another credit card to swipe a friend's card and let them pay cash by themselves. The cash obtained can be used to repay another credit card, which is suitable for small repayment.
3. Brush merchant POS machine
Using a credit card to swipe your card on the merchant's POS machine and the merchant gives you cash is actually a credit card cashing behavior. Moreover, there are many customers of credit card cashing merchants, and the POS machines of cashing merchants are easily targeted by banks, which may easily cause cardholders to be banned by banks.
How to repay two credit cards of the same bank?
Two credit cards of the same bank need to be repaid separately. Credit card repayment refers to the time when the cardholder's credit card consumption reaches the final repayment date.
In order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.
The specific repayment types are as follows:
1. Intra-bank repayment, mainly including: issuer's counter, ATM, online banking, automatic transfer, telephone banking repayment, etc.
Type. The credit card limit will be restored immediately after repayment, 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 repayment or transfer by credit card.
Such as business;
3, convenience store repayment, convenience store repayment, mainly through the "Lacarra" smart payment terminal installed in convenience stores to complete repayment. one
Generally, it will arrive in 2 to 3 working days, and there is no handling fee for repayment in this way;
4. Online repayment. The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifutong.
Wait a minute. Choose different platforms and banks, and the charging standards and specific arrival time are different.
The benefits of credit cards mainly include the following points:
1. When users have consumption demand, they can overdraw consumption, so that they can complete consumption even if they have no money at present;
2. Credit cards offer preferential rights and discounts. When paying by credit card, you can participate in various discount activities.
After the application for the entrusted card is approved, the card will be mailed, and there is no guarantee that the recipient is the applicant. In order for the applicant
Moreover, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. Check.
After meeting the relevant personal information provided at the time of application, complete the card opening procedures. At this point, the applicant becomes the cardholder and signs the back of the card pin.
After that, the voucher can be used. After the credit card is opened-it is generally necessary to set a password for the card at the same time.
Credit card merchants or banks need to check the validity of the credit card and the identity of the cardholder after accepting the entrusted card.
Two credit card repayment skills, how to repay each other best?
1, reasonably modify the bookkeeping date. You can apply for modification according to your own needs. If you have two credit cards, it is recommended to stagger the billing date, so that the repayment date will be staggered and the repayment pressure will be much less. In addition, it is suggested that the commonly used credit card repayment date should be two days after the salary or monthly income is paid, so you don't have to worry about having no money to repay.
2. There are many ways to choose credit card repayment. If you don't want to forget the repayment because of carelessness, it's best to bind the savings card and open the automatic repayment function. Note that some banks will limit the repayment amount of autopay. If the bill repayment amount is too large, be sure to pay attention to whether the money in the savings card is enough.
Extended data:
Matters needing attention in credit card repayment
There are more and more emerging repayment methods, but online transfer repayment, third-party POS card-to-card repayment and telephone banking repayment provided by banks are the mainstream media. If you have a fixed repayment method and repayment cycle, the monthly credit card repayment will become "easy" and will never take up too much time, let alone go to the bank to queue up.
In addition, it should be reminded that when choosing a credit card, you should ask clearly which repayment methods the bank supports, try to handle credit cards with more diversified repayment methods, and don't be confused by petty profits such as "credit card shopping discount". After all, the convenience of credit cards is the most important.