First of all, the current credit card repayment is basically the development of the industrial chain. There are credit card repayment intermediaries and online repayment apps, and many online small loan platforms issue credit loans to cardholders in the name of credit card repayment.
Faced with so many credit card repayment institutions, if we are really short of funds and unable to repay, should we choose these repayment methods to repay? According to my years of experience in using credit cards, I will give you a brief analysis. First of all, I want to clarify my point of view. In principle, credit card repayment is definitely not allowed by banks. And if the bank finds obvious repayment behavior, it will definitely reduce the cardholder's amount and seal the card.
According to the three ways I divided at the beginning, I will analyze them for you one by one.
1, private credit card institution
The repayment methods adopted by these institutions are relatively direct, generally paying off one or more credit card bills according to the cardholder's credit card bill. Then, the paid money is brushed out one by one, and then a certain proportion of repayment fees are charged according to the repayment amount.
This kind of operation is the most risky, because many institutions pay off a sum of money and a sum of money, so there are many such operations. Cardholders' cards are very vulnerable to bank risk control. It's only a matter of time before the card is lowered.
2. return the APP software.
This is that the cardholder deposits a sum of money on the credit card, simulates multiple transactions and repays many times through the repayment app, and pays off the bill. Compared with the repayment method of intermediary companies.
This repayment method is a little advanced. However, because it involves binding card information to app software, it is easy to cause personal information leakage and lead to risks. At the same time, although this software can simulate different consumption patterns. But after a long time, the software will not become unstable. In principle, it needs to be replaced frequently, but it is safer than the first method.
3. Repay the credit card through the online loan platform.
This way of borrowing money to pay back credit cards is relatively better. Because there is no need to brush out the money immediately after repayment, cardholders can also brush it out in batches through other means, and then wait until the loan expires before paying back the arrears.
This way of spending money costs a lot, and there is no guarantee that cardholders can repay in time. If it is overdue, it may cause other serious consequences. But it is relatively more reliable than the above two methods.
Generally speaking, credit card generation is really not so reliable. An individual once asked an intermediary to help me pay back my credit card, resulting in a card being downgraded and sealed, and my credit was overdue because I was unable to repay it. Of course, it doesn't hurt to use the method of generational regression occasionally. But long-term use must be cautious.