Since the launch of various credit card repayment software, it has indeed brought a lot of convenience to friends in need, but most people have one concern, that is, the risk of financial security. Since everyone is in the dilemma of wanting to use it but not daring to use it, I would like to give some suggestions here, hoping it will be helpful.

1. Will the money in the credit card be gone?

First of all, you need to find out whether there is any link in the repayment process of the repayment software you are using that transfers the money from your credit card and puts it into its system. For example, The software may transfer the reserved funds in your card to the software system for service fee settlement after each repayment task is completed, and then allow you to withdraw cash and deposit it back into the card for the next repayment. Don't think about it if you encounter this situation. In fact, it is equivalent to diverting money into a capital pool to support their company's business turnover. Once there is a problem with the company's business or capital chain, it will be very troublesome to get your money back. When choosing, be sure to understand whether the bank will clear the money directly during the repayment process of the repayment software. If the money you leave in the card is cleared directly by the bank, it will always be in the card. However, generally, the rates of refund software with bank direct clearing mode will be higher. That is because you need to pay the bank to support the bank’s direct clearing business. On the contrary, those refund software that have very low rates and do not have direct bank clearing channels. Dare to use it?

2. Will delayed arrival of funds cause the credit card to expire?

Formal repayment software usually generates a recurring repayment task in the system with continuous consumption and deposits in a cycle from the billing date to the repayment date. If your last deposit is If it is not later than 12pm on the last day of your repayment, it will basically not be overdue. However, because each repayment software connects to different consumer merchants, there may be a short delay in the payment. Therefore, in order to avoid late arrival leading to overdue situations, try to set the repayment task before the last day of the repayment date. Finish. For example, if your bill date is the 5th and the repayment date is the 20th, then you can set a repayment task from the 5th to the 18th each time. In addition, as mentioned above, if the software you use is directly cleared by the bank, setting the repayment task in this way will basically prevent overdue payments.

3. Will using the repayment software for repayment be included in the bank’s risk control list?

Before using it, you must first find out whether your credit card is on the bank's risk control list. If you have frequently spent money at the same merchant before using the refund software (note, I mean If you have a fixed and regular consumption and deposit behavior at a certain time every month) and are reminded of credit problems by the bank many times, then this has nothing to do with the repayment software. On the contrary, if you have no risk control problems, then when you set the repayment task on the repayment software, pay attention to see whether each purchase is made at a different merchant. Generally speaking, as long as it is normal and irregular consumption, it will basically not matter. Will be subject to bank risk control. It should also be noted that with regular repayment software, the consumption records displayed in the repayment tasks are true and valid. You can call the bank to check the bill. Some even more professional refund software can also obtain points from consumer merchants, such as Alipay, Meituan, etc. Therefore, if you are afraid of being risk-controlled by the bank, you can pay attention to it from this perspective.

If you have problems that you were concerned about at the beginning while using the refund software, don’t worry. First, you need to contact your refund software provider to handle it for you. Second, you need to contact the bank, tell the bank the actual situation, and carry out operations according to the bank's recommendations. Of course, if you don’t worry, you can generally buy insurance for the agency business for twenty or more yuan on regular agency agency software. In this way, even if the bank cannot handle it for you, the insurance company will give it to you. You handle it.