How to repay with credit card
Credit card repayment method:
1. Repay over the counter. Take the repayment funds to the bank counter for repayment.
2. Repay at self-service deposit and withdrawal machines. You can repay the money by depositing the funds into the repayment account.
3. The repayment account will be automatically deducted for repayment.
1. Things to note when using credit cards:
1. Pay attention to two dates: billing date and repayment date
Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.
2. Protect the credit card information
The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.
3. Only by swiping your card frequently can you avoid the annual fee; only by paying back on time can you increase your credit limit
Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.
4. Choose the repayment method that suits you best
In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.
5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment
If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.
2. Reasons for rejection of credit card application:
1. Unclear personal credit report
It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.
2. The basic conditions are not up to standard
You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.
3. There are problems with the application materials
On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!
4. The overall credit score is low and average
Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.
How to repay by credit card
The methods of repaying by credit card are:
1. Repay by depositing at an outlet:
Card holders can Bring cash and credit card to the business outlet of the card-issuing bank, submit a repayment application to the staff, and then with their help, deposit the current balance into the credit card to complete the repayment.
2. Automatic repayment by binding a card:
Card holders can bind their credit card to a savings card of the same company, and then deposit it into the savings card before the repayment date of each period. For some cash, just wait for the bank to automatically deduct the money.
3. Online banking transfer and repayment:
Cardholders can log in to the official website of the card issuer, then find the entrance to the credit card center, log in to their personal credit card online banking account, and repay on time in the corresponding repayment option. Just pay.
4. Third-party platform repayment:
Cardholders can repay their credit cards on third-party platforms such as WeChat, Alipay, and UnionPay QuickPass and follow the prompts.