What should I do if I can’t repay my credit card on WeChat?

Since WeChat launched the credit card repayment service, many cardholders have another repayment channel. However, many cardholders said that they used WeChat to pay off their credit cards, but the credit was not received. What happened? What should you do if you encounter this situation? Let’s find out together below.

WeChat makes credit card repayment convenient and fast, making more and more people choose to repay credit card debt through the WeChat platform. Compared with bank repayment, WeChat repayment is more convenient and does not require handling fees, but it should be noted that each bank has different repayment time requirements, and some banks do not support real-time payment.

WeChat supports credit card repayments from 21 banks, and the credit card repayment arrival times of different banks are also different:

1. China Merchants Bank, Industrial and Commercial Bank of China, and Bank of Communications 00:00- Repayments at 20:00 will be credited to the account on the same day, and repayments from 20:00-24:00 will be credited to the account the next day.

2. According to the repayment time of China Guangfa Bank, Bank of China, China Construction Bank and Shanghai Rural Commercial Bank, the repayment is divided into the same day and the next day.

3. Credit card repayment in Shanghai, Ningbo, Beijing, Hankou, Nanjing, Jiangsu, and Shanghai Pudong Development Bank takes 2-3 working days, and will be postponed on holidays.

If the repayment has not arrived within the above time, cardholders can call the bank customer service to inquire about the repayment status, or directly contact WeChat customer service to inquire about the situation. Anyway, as long as your payee name and credit card account number match, the money will not be lost. You may be afraid that the arrival time will be delayed, so that it will not arrive on the final repayment date, and it will become overdue.

It is recommended that in order to avoid the delay in credit card repayment via WeChat, cardholders should repay a few days in advance. Generally, it is best to repay at least 3 working days in advance.

What should I do if the WeChat credit card repayment exceeds the time limit? What you need to know to avoid overdue credit cards

Now WeChat is not only a chat tool and social platform, WeChat can also provide people with services in all aspects of daily life, such as living payment, Didi Chuxing, JD shopping, Credit card repayments, etc. For cardholders who are used to using credit cards to make overdraft purchases on a daily basis, WeChat credit card repayment is relatively convenient. However, because it is a third-party platform, cardholders will definitely encounter such problems - What if the WeChat credit card repayment has timed out but not arrived? manage? Let me give you the answer.

WeChat official solution to the problem of "What should I do if the WeChat credit card repayment has expired but not arrived?" is:

1. Contact the bank customer service first to confirm whether it has been paid. The repayment was successful;

2. If it is confirmed that the account has not been received, you can contact WeChat customer service to report the problem and seek solutions.

After successful repayment, if the repayment fails due to WeChat system issues, WeChat will pay full compensation for late payment fees and other expenses incurred.

WeChat is a third-party payment platform. Different banks have different credit card repayment times. Generally, it is recommended that cardholders repay 2-3 days in advance, although it is rare that the repayment does not arrive after the time limit. If you encounter this situation, you must contact customer service as soon as possible to handle and solve it.

Why did the credit card repayment using WeChat Tenpay not arrive?

The reason why the Tenpay credit card payment on WeChat (version: 8.0.16) has not yet arrived may be that the payment is delayed. Just wait for a few minutes.

When paying back a credit card, the first prompt is that the deduction is successful. It will take time for the actual payment to arrive. During working hours, it will arrive in about 10 minutes. In addition, if you do not actually have access to the credit card account, you can also call the credit card customer service center to manually check the repayment. ,

1. If the repayment has not arrived within the above time, cardholders can call the bank customer service to inquire about the repayment status, or directly contact WeChat customer service to inquire about the situation. Anyway, as long as your payee name and credit card account number match, the money will not be lost. You may be afraid that the arrival time will be delayed, so that it will not arrive on the final repayment date, and it will become overdue.

2. Repaying credit cards on WeChat is convenient and fast, making more and more people choose to repay credit card debt through the WeChat platform. Compared with bank repayment, WeChat repayment is more convenient and does not require handling fees, but it should be noted that each bank has different repayment time requirements, and some banks do not support real-time payment.

1. Credit card repayments via WeChat are credited to some banks in real time, to some banks on the same day, and to some the next day. Depending on the limit on the repayment amount, the credit card payment time will also be affected. As a result, the credit card WeChat repayment times of various banks are as follows:

1. Support real-time arrival: Industrial Bank, CITIC, Ping An, Agriculture, Minsheng, Everbright

2. Support same-day payment Account:

China Merchants Bank, Industrial and Commercial Bank of China, and Bank of Communications: 02:00-22:00 repayment, arrival in 30 minutes, other periods, payment at 10 a.m.

Bank of China: 00:00 -14:00 repayment, the same day; repayment after 14:00, the next day (extension on weekends and holidays)

GF: 00:00-11:00 repayment, the same day; 11 :00-24:00 Repayment, credit will be received the next day

CCB: Repayment 00:00-09:00, credit will be credited on the same day; repayment 09:00-24:00, credit will be credited the next day

3. 2-3 working days for payment (extension on holidays): Pudong Development Bank, Jiangsu, Ningbo, Nanjing, Shanghai, Beijing, Hangzhou, Hankou, Shanghai Rural Commerce

2. WeChat Pay is a mobile payment launched by WeChat, which is used for consumption by binding bank cards. The Wealth Management Connect function inside is similar to Yu'e Bao. In fact, you can buy currency funds through the mobile client (currently only supports China Asset Management). The money is transferred from the bound bank card (must be a debit card), and the income can only be If transferred to a bank card under the same name, it supports 24-hour transfers and withdrawals like Yu'E Bao, but it cannot directly pay and repay credit cards through Wealth Management. It is more secure than Yu'E Bao. At present, there is no independent client for Wealth Management. It can only be accessed through the WeChat interface. There is no computer access function. The supported banks are still relatively limited, including Minsheng Bank, China Merchants Bank, China Construction Bank, China Everbright Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Debit cards from 12 commercial banks including Industrial Bank, Ping An Bank, Bank of China, Industrial and Commercial Bank of China, CITIC Bank and Agricultural Bank of China. Tenpay is a payment method launched by Tencent (similar to Alipay). It has computer clients and mobile clients. It also has the functions of recharging and direct consumption, but it does not have the financial management function of purchasing funds (that is, the money in it will not increase in value). However, Tenpay supports up to 52 banks.

I repaid my Bank of China credit card via WeChat transfer at 11 noon today, but it hasn’t arrived yet

Repaying through third-party channels usually takes 1-2 days to arrive. Around the day, the specific details will be subject to the transfer party.

The above content is for your reference, please refer to actual business regulations.

What happened if the credit card repayment was successful on WeChat but did not arrive?

Many cardholders often encounter this problem when repaying their credit cards through WeChat. It clearly shows that the repayment was successful. But when I checked the account, I found that it had not yet arrived. So, what is going on in this situation? What should I do if the repayment does not arrive? Let’s find out together below.

Card friend consultation: Hello, I repaid 2,000 yuan on my China Merchants Bank credit card through WeChat at 8 pm. The repayment has been shown to be successful, but when I checked the credit card account, I found that it has not been credited. Where does my money go?

Analysis: WeChat credit card repayment shows that the repayment is successful, but the arrival time of different banks is different. In addition, repayment in different time periods will also affect the arrival situation. Generally speaking, the repayment from WeChat to China Merchants Bank credit card will arrive on the same day, but the cardholder repays the payment at 8 pm, so it will not arrive until the next day.

Having said so much, there is actually only one reason. As a third-party platform, WeChat’s repayment time naturally cannot be like that of banks, where the repayment can be credited after successful repayment. It also requires a certain amount of time. Therefore, if you want to know why the payment was not received successfully, you must know the arrival time of your credit card issuing bank.

As far as we know, credit card repayments via WeChat are credited to some banks in real time, to some banks on the same day, and to some the next day, and depending on the limit on the repayment amount, the credit card payment time may also vary. Will be affected by this, the repayment time of each bank's credit card WeChat is as follows:

1. Support real-time payment: Industrial, CITIC, Ping An, Agriculture, Minsheng, Everbright

2. Support Same-day payment:

China Investment, Industrial and Commercial Bank of China, and Bank of Communications: 02:00-22:00 repayment, arrival in 30 minutes, other periods, payment at 10:00 am

Bank of China: 00 : 00-14:00 repayment, the same day; repayment after 14:00, the next day (postponed on weekends and holidays)

Guangfa: 00:00-11:00 repayment, the same day ; Repayment from 11:00-24:00, credit will be received the next day

CCB: Repayment from 00:00-09:00, credit will be credited to the account on the same day; Repayment from 09:00-24:00, credit will be credited the next day Arrival

3. Arrival in 2-3 working days (extension on holidays): Pudong Development Bank, Jiangsu, Ningbo, Nanjing, Shanghai, Beijing, Hangzhou, Hankou, Shanghai Rural Commerce

Reminder:

If the WeChat credit card payment does not arrive, it is best to call the credit card center customer service and ask the customer service to help check the repayment status. Under normal circumstances, since the repayment is shown as successful, the money will definitely not be lost, but the arrival time is uncertain. Therefore, in order to avoid overdue payments, it is recommended that you repay 2-3 days in advance.

This is the end of the introduction on what to do if the WeChat credit card payment does not arrive and the WeChat credit card payment does not arrive. I wonder if you found the information you need?