How can I pay off my credit card in one lump sum?

You can apply for a lump sum payment.

at present, there are two ways to charge credit card bills by installment and one-time charge. The former is that the bank collects the handling fee and the principal of each period on a monthly basis; The latter is a one-time charge for all periods in the first period.

in either case, the handling fee paid in advance will not be refunded, and the regulations of other agencies are different.

1. CCB

has successfully handled the bill installment. If it applies for early repayment, it will terminate its installment business for the cardholder after confirmation by CCB, and the installment fee collected will not be refunded; At the same time, the cardholder must pay the remaining principal and all handling fees in one lump sum.

2. The cardholder of China Merchants Bank

pays off the bill installment business successfully in advance, and must pay off the outstanding principal and the remaining "unpaid fee" in one lump sum after the application is passed, and the installment fee collected will not be refunded.

3. The cardholder of Shanghai Pudong Development Bank

must pay the remaining principal and handling fees of each installment in one lump sum if he terminates the bill installment business that has been successfully applied for in advance; The handling fee paid by the cardholder will not be refunded.

4. For the installment business handled by Agricultural Bank of China since January 1, 219, the installment fee that has been collected or booked will not be refunded, and the installment fee that has not been billed for the first period will be charged. Before that, if the credit card bill is applied for full prepayment in installments, the fees charged or booked will not be refunded, and the fees that have not been billed will be exempted.

5. ICBC

added the item of "liquidated damages for prepayment by installment" on December 1, 218, with the charging standard of 3% of the prepayment amount or at the agreed price. No liquidated damages for prepayment by installment will be charged for businesses that have fully charged the installment fee. However, ICBC's charging standard depends on the specific card type when it is implemented.

6. CITIC Bank

began to implement the adjusted standard of liquidated damages for early termination of installment repayment for "bill/single installment" products on April 1, 218. If the handling fee is charged at one time, the received handling fee will not be refunded; If the handling fee is collected by stages, the collected handling fee will not be refunded, and the remaining unpaid principal will be charged at 3%. However, there is no charge for the remaining unpaid handling fees before.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

The advantages of credit card are as follows:

1. You can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days to repay the interest on time. (Most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee. ICBC will charge no handling fee for cash withdrawal, but only interest.).

2. swiping your card when shopping is not only safe and convenient, but also a bonus gift.

3. special merchants who hold cards in banks can enjoy discounts.

4. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

5. Credit card spending, taking existing points from some credit cards, various discounts and lottery activities throughout the year, so that you can always be surprised as long as you use your card.

6. Unique supplementary card function, suitable for husband and wife to manage money together, or to master the financial expenditure of their children.

7. The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8,4 telephones or 5-digit short numbers beginning with 9 provide 24-hour service, and the loss will take effect immediately, with zero risk of card loss.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.

how to repay by credit card?

You can make credit card repayment through the following channels:

1. Take charge of the bank: Please log in to the take charge of the bank APP, and click "Credit card → Repayment" on the home page, so that you can make credit card repayment by yourself or others. Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC.

2. online banking: please log in to personal online banking, and click "credit card → repayment → one-click repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of Agricultural Bank of China; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.

Tips: If you need to repay the credit card of another bank, you can do it by "transfer".

(Answer time: June 25th, 221. In case of business changes, please take the actual situation as the standard. )

How to pay off the credit card in advance

The method of paying off the credit card in advance is as follows: the credit card can be repaid in advance at the counter, online banking or self-service equipment. If you want to repay in advance, you can just deposit the money into your credit card. When the repayment date comes, the credit card will automatically deduct the money. Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

how to settle the credit card in advance

1. If there is no installment, go directly to the bank outlet, or directly make money to the credit card for prepayment through online banking, Alipay, WeChat payment and other channels;

2. If the installment has been completed, the cardholder needs to call the bank's customer service phone to apply for suspension of installment before paying off in advance. However, some banks stipulate that even if the installment is paid off in advance, the handling fees required for the loan will still be charged as usual.

1. how does prepayment behave in credit reporting?

Your loan or mortgage has been repaid in advance. If it is all repaid in advance, the credit record will show that the balance is as of your repayment date.

if part of the repayment is made in advance, the record of credit investigation will show that the balance is your remaining principal as of the repayment date. So you paid in advance, but the repayment record of the corresponding credit information will be updated, so it has no impact.

1. prepayment by credit card

prepayment by credit card helps you to maintain good repayment habits, and the credit report shows that your personal credit is good. Generally speaking, because you actively repay the loan and leave a good impression on the bank, when you apply for a new credit card, the approval will be faster and it will be easier to increase the limit.

2. prepayment of personal loans

prepayment of loans does not necessarily mean that you have strong repayment ability and good credit. Judging from the loan contract, early repayment is a breach of contract, and the borrower should bear the corresponding liability for breach of contract and pay a certain penalty according to the contract.

it is understood that when lenders submit the information of users' "prepayment" to the credit information system of the People's Bank of China, it will be found in "special transactions", and some lenders will regard "prepayment" as negative information. But in any case, you just repaid the loan in advance, and there will be no bad record. Therefore, your personal credit record is still good.

second, what behavior will affect the credit record?

1. overdue situation. If your loan, mortgage, credit card, etc. are overdue or overdue for many times, it will affect your credit record.

2. Five-level classification. If you are overdue or not overdue but unable to repay the loan principal and interest, the bank will give you five categories, which are divided into five categories: normal, concerned, secondary, suspicious and loss.

If you have the other four categories except the normal ones, it will be very difficult for you to get a loan from the bank and apply for a credit card. The bank will definitely ask you why there are five categories and whether there are any relevant information.

This concludes the introduction on how to settle the credit card and how to settle the credit card in advance. Did you find the information you need?