Which way to pay off a credit card is free? Try these channels!

After the monthly bill comes out, you can repay according to the required repayment amount. Some channel platforms now have restrictions on credit card payments, and you need to pay a certain handling fee for the excess. So someone asked, which way to repay a credit card for free? So let’s briefly talk about this issue.

1. Which way to repay a credit card for free?

1. In the UnionPay APP, you can clearly see the "Credit Card Repayment" button on the homepage, with a red logo showing "No handling fee."

2. Credit card APP, you can not only log in to the APP of the cardholder bank to make repayments, but also the credit card repayments of other banks can be operated, and it is said that it is also free. For example, China Merchants Bank's Mobile Life APP allows you to click "Transfer to another bank" and then support debit cards of Bank of China, Agriculture, Industry, Construction, Communications and other banks to repay credit cards of 19 banks. Similar is found by Guangfa Wonderful, Bank of Communications pays the bill, etc.

3. WeChat: Although there are restrictions, you can still pay back your credit card for free, as long as the following conditions are met. For example: if the financial value of 100,000 yuan reaches WeChat gold membership, set a fixed monthly amount to purchase salary financial management, with a minimum of 500 yuan.

4. Alipay: Like WeChat, there are repayment usage restrictions, but the 2,000 free monthly quota can be used. In addition, Alipay Ant member points can be redeemed for free repayment quota.

The above is the answer to "Which way to pay off a credit card for free?" I hope it will be helpful to everyone. Generally speaking, you can usually choose Union Quick Pass APP, credit card APP for free repayment, or you can choose Alipay, WeChat, etc. to repay credit cards within restricted conditions.

How to pay off your credit card for free in 2020? Try these channels

Since 2019, major third-party payment platforms have charged fees for credit card repayments, so if you want to repay credit cards for free in 2020, you definitely can’t count on them. Fortunately, there are still these channels that can continue to provide free services. They can be roughly divided into UnionPay channels and bank channels, and the fastest payment can be made in real time. Let’s take a look.

1. UnionPay channel:

That is, repayment is made through the credit card function of UnionPay Cloud QuickPass APP, which can support credit card repayment from dozens of mainstream banks.

You need to download the APP and register an account to bind the credit card to be repaid. Click on credit card repayment, select the tied credit card, enter the repayment amount, select the payment method and click submit. The fastest repayment will be successful. Within one second, you will receive a text message notification of the arrival of your account.

Among the free credit card repayment methods, Union QuickPass APP can also be used to make a profit. As long as the single repayment is ≥10 yuan, you can win a repayment red envelope in a lottery. The amount is random, every month. It can be drawn 5 times, and each card has only one chance to draw.

2. Banking channels:

1) Mobile banking: not necessarily the same bank as the credit card. The mobile banking of mainstream banks can repay credit cards for free, because most of them are repaid by transfer. , you need to enter the correct credit card++, card issuer, cardholder name, enter the repayment amount, and the mobile phone verification code can repay successfully, and most of them will arrive in real time.

2) Automatic repayment: refers to associating a savings card with the credit card to be repaid and activating the automatic repayment function. It is best to associate the bank’s card. Every time the credit card repayment date comes, the system Money will be automatically deducted from the savings card for repayment, but this method may also be overdue. If the amount in the savings card is not enough for repayment, the deduction fails and there is no manual repayment, it will definitely be overdue.

How to repay a credit card without handling fees

1. The methods for repaying credit cards without handling fees include: repayment through the card issuing bank, ATM machine repayment, Alipay repayment, etc.

2. The methods for free credit card repayment are:

1) Repay through the card issuing bank. For example, if your credit card is from Industrial and Commercial Bank of China, the cardholder can repay through ICBC's mobile banking, online banking, counter and other channels, all for free.

2) ATM machine repayment. Cardholders can insert their credit card into the ATM machine to deposit money and make repayments, and then repay as required according to the prompts. In this way, repayment is also free.

3) Repayment via UnionPay QuickPass. UnionPay is an App owned by UnionPay. Cardholders can use UnionPay to pay back their credit cards for free.

As a unified APP in the banking industry, China UnionPay’s Cloud QuickPass APP is jointly developed, constructed, and maintained and operated by various commercial banks and UnionPay. The Cloud QuickPass APP supports one-click inquiry and payment of credit card bills of more than 150 banks. Fee repayment. Users only need to bind credit cards in the card management channel (up to 15 credit cards can be bound), click on the relevant card to query each transaction and the total repayment amount, and click on repay immediately to repay with zero handling fee. Most of the The bank supports same-day deposit or even real-time deposit.

4) Alipay repayment. On Alipay, each user has a free credit card repayment limit of 2,000 per month. When the cardholder's cumulative repayment limit is less than 2,000, he or she can repay the credit card for free.

5) Mobile banking transfer repayment. The mobile banking of major commercial banks is generally free of charge for intra-bank and inter-bank transfers, and cardholders can transfer funds to their credit cards for repayment.

6) Repay using the bank’s WeChat account: Each bank has opened an official WeChat account. If the cardholder binds the account, he or she can also use the quick repayment function of the credit card’s official WeChat account to repay. However, to use this channel to repay, the cardholder must have opened mobile banking, can only repay to his own bank, and the credit card must be bound to WeChat.

3. In addition, some third-party payment institutions still have "free lunches", but consumers need to pay attention to the latest charging information and relevant qualifications of the payment institutions when repaying.

Operating environment:

Mobile phone model: ELS-AN00

WeChat: 8.0.16

Alipay: 10.2.6.8200

This ends the introduction on how to repay credit cards for free and how to repay credit cards for free using WeChat money. I wonder if you found the information you need?