Alipay credit-card repayment free limit refers to the free limit provided by Alipay for users to repay credit cards. Starting from March 26, service fees will be charged for credit card repayments through Alipay.

1. Alipay provides users with a free quota of 2,000 yuan per person per month. The amount above 2,000 yuan is still free, and a service fee of 0.1% will be charged. For example, if you repay 3,000 yuan that month, the service fee you need to pay is (3000-2000) x 0.1% = 1 yuan.

2. Alipay also uses Alipay. If users need to increase their free quota, they can redeem it through Alipay membership points.

3. Since there are many credit card repayment channels, and there are currently free channels such as online banking, Alipay’s adjustment has limited impact on users. Alipay also stated in the announcement that if it is a large repayment, users can choose to repay for free through online banking and other channels. For example, Baidu's Duxiaoman Financial can enjoy free credit card repayment. Currently, Duxiaoman Financial supports credit card repayment from many banks. In addition, UnionPay’s UnionPay Cloud QuickPass software can also repay credit cards. Currently, there is no need to pay any handling fees when using UnionPay’s Cloud QuickPass to repay credit cards.

It is free to use bank online banking and bank APP to repay credit cards. In addition, there is no handling fee for using Xiaoman Finance, JD Finance, and UnionPay to repay credit cards.

In addition to Alipay and WeChat, what other channels are free? If you have a credit card, check it out!

1. Online banking and mobile apps of various banks

Many banks’ apps, such as China Merchants Bank, China Construction Bank, China Guangfa, etc., not only do not charge handling fees for their own credit cards, they also provide Credit card repayments from other banks also do not charge handling fees. However, the number of banks supported by each bank varies.

2. UnionPay Cloud QuickPass

UnionPay Cloud QuickPass, which is jointly developed, constructed, maintained and operated by various commercial banks and UnionPay, can still repay credit cards for free. However, Cloud QuickPass was exposed at the CCTV March 15 Party in 2019 and the QuickPass function will be enabled by default. There is a risk of fraud. Users should be cautious when using it.

3. Duxiaoman Finance

Duxiaoman Finance, formerly Baidu Finance. Credit card repayments are free of charge, and currently support credit card repayments from nearly 30 banks, covering mainstream domestic banks. The payment is usually available in about 30 minutes after the payment is completed.

4. JD Finance

JD Finance currently offers free credit card processing fees, supports credit card bill inquiry and other functions, and supports repayment from banks such as ICBC, China Construction Bank, and Bank of Communications.