How to repay the credit cards of major banks? In fact, the repayment channels of credit cards are very similar. I will list a few:

1. Repayment at the bank counter:

Go to the bank At the counter, give your credit card and cash to the teller and tell him that you want to change your credit card. The teller will handle it for you.

Advantages: Instant payment, no need for much operation, just find the issuing bank.

Disadvantages: Tired of running around. If the card issuing bank is far away from you, it will be very difficult every month.

2. Repayment from automatic deposit machines:

What should you do if the bank is closed and your credit card has not been repaid? Go to an automatic deposit machine that can deposit money to repay. Insert your credit card into the deposit machine, click Deposit, put your banknotes into the banknote slot, follow the prompts, and you can repay. Don't forget to take out the credit card after repaying. I once paid it like this I lost my credit card, but I met a kind-hearted person.

Advantages: Even if the bank is closed, you can still repay the loan and it is open 24 hours a day. Instant payment.

Disadvantages: It is often the case that the RMB is wrinkled and spit out by the deposit machine. Sometimes it has to be repeated several times. Tired of running around, I looked for a card-issuing bank with a deposit machine.

3. Online banking repayment:

Log in to the online banking of your card-issuing bank and use your deposit card to repay the credit card. Of course, cross-industry is possible, but there will be a handling fee. Due to space reasons, many operations will not be described in detail. Later, I will write a dedicated article on how to pay back credit cards through online banking to share my experience with you.

Advantages: You can make credit card repayments without leaving home. Instant payment.

Disadvantages: Complex operation. Handling fees will be incurred when repaying across banks. Although many security measures have been introduced for online banking, there are still many friends who do not like to open online banking. Afraid of being unsafe.

4. Repayment through a third-party payment platform on the computer: (This is also the repayment method currently used by the author) Repayment can now be made through a third-party payment platform. Such as Alipay, Tenpay, etc.

Advantages: Without leaving home. The operation process is slightly simpler than online banking. (On the premise of enabling quick payment.) There are some promotions from time to time.

Disadvantages: Immediate payment is not possible (now many banks have implemented instant payment.) Software needs to be installed on the computer, the operation is complicated, and certain computer operation experience is required.

5. Repayment through third-party payment platform on mobile phone: Credit card repayment can also be made through mobile phone.

Advantages: Repay anytime, anywhere. There are special promotions from time to time.

Disadvantages: Need to install software on mobile phone. The account cannot be transferred immediately (some banks can.)