2. If the user doesn't want to use the money to deduct the arrears, he can also call the service number of the card bank and transfer the money to the savings card in his own name. It should be noted that the account name and personal ID number of the savings card provided by the user need to be consistent with the credit card.
The above is how to transfer money to a credit card.
Causes of bad debts of credit cards
1. Credit card is overdue for a long time: if the credit card is overdue for more than 18 1 day, and there is no result after six effective collections, or the user has been unable to contact after the overdue period, then the bank will record the debt as bad debt and report it to the central bank for personal credit information, and the bad debt will be displayed on the overdue record;
2. Overpayment by credit card: Overpayment by credit card is mainly due to the refund and over-repayment of credit card, resulting in the balance exceeding the credit card limit, which has not been withdrawn for a long time, and the user has not used the credit card for consumption, which will also lead to bad debts.
How to cancel an inactive credit card?
After the user finishes the credit card, if it is not activated and wants to cancel it, he only needs to dial the customer service hotline of the card bank directly, and then go to the manual customer service phone to explicitly apply for cancellation to the online customer service staff. After checking the user's identity, the bank staff will help the user cancel the card if they are sure that there are no outstanding bills and unnecessary credit card overpayments in the card. If there is a service outlet of the issuing bank around the user's residence, the user can also bring his personal ID card and bank credit card to the service desk of the business outlet to find a staff member to apply for cancellation.
Because the card that the user wants to cancel has not been activated, there are usually no outstanding bills, loans and unnecessary overpayments, and of course, it can be cancelled quickly. Naturally, in addition to high-end credit cards and specially made cards that are not activated, they will be charged. If the user applies for this card, even if it is not activated, there will be fees such as annual credit card fees. In this regard, if users want to cancel their cards, they must settle the annual credit card fee before they can apply for cancellation. This article mainly focuses on how to transfer money to credit cards, and the content is for reference only.