It is said that it is best to pay off the credit card in one go, because this can develop good card usage habits and will not incur additional fees. As long as the money is paid back before the bill day, In this way, you can create zero bills, and the bank also considers you as a person with a debt ratio of 0, which also proves that your repayment ability is good, and you can finally increase the amount.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

In-line repayment:

This repayment method mainly includes: Counter of card issuing bank, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile phone repayment:

Mobile phone is a personal payment terminal of the mobile financial system, which can be used to repay money directly by swiping a card, or to perform transfers and other services.

Convenience store repayment:

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment:

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer:

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass:

Counter Pass refers to the bank cards issued by various networked financial institutions, which can be used to conduct RMB demand deposits through the counters of other bank branches registered in the UnionPay Exchange Center host system. Deposit and withdrawal transactions.

Lakala:

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals .

Xinfutong:

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided financial services by China UnionPay's inter-bank information exchange network Support innovative electronic products.

Repayment Tong:

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Smart repayment:

A new industry whose main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute it through a licensed payment company Automatic recurring consumption repayment achieves the purpose of full repayment, charging a certain handling fee. The basic functions include bill management, local payment, free card application, etc.