There are many ways to repay credit cards. The following are several commonly used repayment methods:

1. Binding a savings card is the most convenient repayment method. When you apply for a credit card, it is bound to our savings card, and the bank automatically deducts money when you repay it, which is convenient for you to transfer money manually to the bank.

2. Online banking transfers money first, which is safe. Open the issuer's online banking, log in to the online banking, and enter the password to complete the repayment without handling fees.

3. Third-party repayment is convenient. At present, Alipay Wallet supports credit card repayment of more than 30 banks, and a "repayment reminder day" can be set.

4. Reimbursed by Lacarra. Credit card outlets use less, but there is a handling fee for repayment, which is 2 yuan per transaction. Three repayment methods of credit card

1. Full repayment: after the bill is issued on the same day, it will be paid off in one lump sum. This is the best repayment method, but it also requires considerable funds. If the bill amount is 65438+ million, it needs 65438+ million to pay back. Full repayment is actually divided into two repayment methods, one is the one-time repayment mentioned above, and the other is

Accumulated multiple full repayments. The bank doesn't stipulate that it should be paid off in one lump sum, so we can pay it off in multiple installments as long as the bill amount is paid off before the final repayment date. For example, the current bill is 10000 yuan, and we will pay 100 yuan in one lump sum, which is enough.

2. Repayment by installments: After the bill is issued on the bill issuing date, the current bill will be repaid by installments, which can generally be divided into 3/6/9/ 12/ 18/24 installments. This method is relatively less stressful, but it will bear a certain installment fee.

There is also the minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it reissues the bill, which is also the most uneconomical repayment method. If the bill amount is large, you have to pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.

Small expansion: billing date and repayment date

Billing date: the billing date is the date of bank settlement, which is determined according to the application time. The billing date is set when the credit card is approved. After the card is activated, you can call the bank to modify the bill date.

Last repayment date: In general, the last repayment date is 20 days after the bill date, but some banks also stipulate the last repayment date. It's all about 20 days. It won't make much difference.

10% repayment method:

1. After paying the bill at sunrise, it can be operated from the 3rd. The total amount of the bill is 10000 yuan, which can be repaid by 1000 yuan.

2.3 repay 1 1,000 yuan in the morning, restore the limit of 1 1,000 yuan, and brush out the 400 yuan three hours later, and brush out 1 1,000 yuan again. I have paid back 2000 yuan in one day. After that, swipe the card every day to complete the repayment and accumulated repayment 10000 yuan.

Precautions! ! !

1. The repayment amount, credit card amount and credit card interval of the above methods are just examples. The actual situation depends on the individual situation, which is not suitable for complete imitation. (Of course, the more places reserved, the better. )

2. Note that the credit card amount mentioned above is only an integer convenient for calculation, and the actual credit card should not be an integer.

Please manage your credit card effectively to avoid overdue.

How to return the credit card?

No matter what method you use, as long as you try to get the money from your credit card, you will definitely pay it back. Your credit card is a bank account. No matter what method you use, as long as it receives the money, it will be ok.

Now commonly used are:

1, cash repayment. Take the cash and deposit it in the credit card at the bank counter.

2. Repayment related to peer card. Associate the card of the same bank with the credit card, automatically transfer the money from the bank card on the repayment date of each month, and the credit card will automatically repay.

3. Transfer and remittance. Transfer money from other banks and remit it to your credit card. However, the remittance bank will charge you an inter-bank handling fee.

4. Pay online. Pay to the credit card through third-party payment institutions such as Alipay and RMB. Alipay and Yuan are both free cross-bank payments.

Convenience stores and supermarkets in Lacarra also have machines, which can also be repaid. If you still don't understand, go to Freddie. Take a look at it.

How to repay CCB credit card?

Customers can apply for CCB credit card repayment in the following ways: 1. Log in to mobile banking, and follow the prompts through the menu of "Credit Card-Card Service-My Account-Repayment for Yourself". The repayment amount can be selected as current repayment, minimum repayment amount or input repayment amount. Reminder: Please purchase foreign exchange for repayment before 22 o'clock every day. 2. Pay attention to and enter the official WeChat account of China Construction Bank. After binding the credit card, enter "repayment" in the WeChat official account dialogue mode to get the link, and follow the prompts.

(In case of business changes, please refer to the actual situation. )

How to repay the credit card

1. What is a credit card?

Credit card is a card issued by commercial banks or credit card companies, which mainly has the function of overdraft consumption. The bank will give the credit card a credit line first, and users can use it first and then repay it. Credit card consumption is a non-cash payment method. You don't need to pay cash first when you consume, and then repay it on the accounting day. In addition, there is no need to pay interest on the amount of credit card overdraft consumption if it is repaid within the specified time.

Second, how to repay the credit card?

1, ATM repayment. Cardholders can go to the ATM of the bank, make a deposit in the card, and deposit the money in the credit card, which is the credit card replacement.

2. Mobile banking repayment. All major banks have mobile banking software. After it is installed on the mobile phone, you can repay the credit card by logging in.

3. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

4. Online banking repayment. Log in to the issuing bank's online banking to repay the credit card.

5. Repayment through third-party software. Alipay, WeChat, Xiaoman Finance, China UnionPay Express and other software all have credit card repayment functions, which can repay credit cards;

6. Automatic repayment. You can associate a debit card with a credit card, and the bank will automatically deduct the repayment from the debit card after the association;

7. Telephone repayment. Call the customer service number of the issuing bank, and then return the credit card manually. Generally, you need to open a telephone bank in the issuing bank to transfer into or out of an account.

Third, the advantages and disadvantages of handling credit cards

Benefits:

1. saves the trouble of carrying cash.

Credit card consumption avoids the trouble of paying cash in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can spend first and then repay, which is very helpful when users are insufficient.

2. You can participate in various discount activities.

Many businesses have cooperation with banks, and consumers can enjoy discounts and other preferential activities when carrying credit cards with them.

3. Deduct points for consumption.

When users use credit cards to spend money, they can get points in many cases. The integral conversion standard of each bank is different. Please consult the corresponding bank for details. When the user's points reach a certain level, they can redeem gifts at the integral mall of the Credit Card Center website.

Disadvantages:

1. Blind consumption

It is precisely because the use of credit cards is very convenient and fast that some irrational consumers tend to spend blindly.

2. High interest rates

If the user fails to pay off the current arrears before the final repayment date, he needs to pay bank interest and late fees.

How to return the credit card?

Credit card repayment methods are:

1. Bank deposit repayment:

Cardholders can bring cash and credit cards to the issuing bank's business outlets, apply for repayment from the staff, and then deposit the current arrears into the credit card with their help to complete the repayment.

2. Automatic repayment by tying the card:

Cardholders can bind their credit cards to their peers' savings cards, and then deposit some cash into the savings cards before each repayment date, waiting for the bank to automatically deduct the money.

3. Online banking transfer repayment:

The cardholder can log in to the issuing bank official website, then find the entrance of the credit card center, log in to the personal credit card online banking account, and repay on time in the corresponding repayment options.

4. Repayment on the third-party platform:

Cardholders can make credit card repayments on third-party platforms such as WeChat, Alipay and China UnionPay Express.