1. Binding a savings card is the most convenient repayment method. When you apply for a credit card, it is bound to our savings card, and the bank automatically deducts money when you repay it, which is convenient for you to transfer money manually to the bank.
2. Online banking transfers money first, which is safe. Open the issuer's online banking, log in to the online banking, and enter the password to complete the repayment without handling fees.
3. Third-party repayment is convenient. At present, Alipay Wallet supports credit card repayment of more than 30 banks, and a "repayment reminder day" can be set.
4. Reimbursed by Lacarra. Credit card outlets use less, but there is a handling fee for repayment, which is 2 yuan per transaction. Three repayment methods of credit card
1. Full repayment: after the bill is issued on the bill issuing date, it will be paid off in one lump sum. This is the best repayment method, but it also requires considerable funds. If the bill amount is 65438+ million, it needs 65438+ million to pay it back. Full repayment is actually divided into two repayment methods, one is the one-time repayment mentioned above, and the other is
Accumulated multiple full repayments. The bank doesn't stipulate that it should be paid off in one lump sum, so we can pay it off in multiple installments as long as the bill amount is paid off before the final repayment date. For example, the current bill is 10000 yuan, and we will pay 100 yuan in one lump sum, which is enough.
2. Repayment by installments: After the bill is issued on the bill issuing date, the current bill will be repaid by installments, which can generally be divided into 3/6/9/ 12/ 18/24 installments. This method is relatively less stressful, but it will bear a certain installment fee.
There is also the minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it reissues the bill, which is also the most uneconomical repayment method. If the bill amount is large, you have to pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.
How to return the credit card?
Credit card repayment methods are: 1, and branch repayment. Credit cards can be repaid at the counter of the issuing bank outlets; 2.ATM repayment. You can deposit or transfer money at the ATM; 3. Online banking repayment. Log in to the issuing bank's online banking to repay the credit card; 4. Mobile banking repayment. Log in to the issuing bank's mobile banking, and you can repay the credit card.
Credit card repayment methods are:
1, repayment by outlets. Credit cards can be repaid at the counter of the issuing bank outlets;
2.ATM repayment. You can deposit or transfer money at the ATM;
3. Online banking repayment. Log in to the issuing bank's online banking to repay the credit card;
4. Mobile banking repayment. Log in to the issuing bank's mobile banking to repay the credit card;
5. Repayment through third-party software. Alipay, WeChat, Xiaoman Finance, China UnionPay Express and other software all have credit card repayment functions, which can repay credit cards;
6. Automatic repayment. You can associate a debit card with a credit card, and the bank will automatically deduct the repayment from the debit card after the association;
7. Telephone repayment. Call the customer service number of the issuing bank, and then return the credit card manually. Generally, you need to open a telephone bank in the issuing bank to transfer into or out of an account.
How to return the credit card?
Credit cards can be issued in banks, micro-bank POS mobile phones, transfer/remittance repayment or online repayment.
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Precautions:
1. The target customers of bank credit cards are high-end income groups. As can be seen from the above characteristics, credit cards are more convenient than saving money. Not only do you have to pay an annual fee to use a credit card, but once you miss the repayment time, the penalty interest is very high.
2. Students and others who have no economic income should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up using their credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.
How to return the credit card
Credit card repayment method:
1, counter repayment. Take the repayment funds to the bank counter to repay.
2. Self-service deposit and withdrawal machine repayment. You can repay the loan by depositing funds into the repayment account.
3. The repayment account will automatically deduct the repayment.
I. Precautions for the use of credit cards:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.
5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.
If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a one-to-three-day delay in repayment.
Second, the reasons for the rejection of the credit card application:
1, personal credit is not clean.
It is normal for a person with a bad credit record to be refused a card. Before handling, be sure to check your credit report for the past year.
2, the basic conditions are not up to standard
Minors or unstable jobs make banks feel unable to repay.
3. There is something wrong with the application materials.
On the one hand, to apply for a credit card, you need to prepare complete information, from personal basic information to financial proof. If the applicant provides detailed application materials and can effectively verify them, the possibility of credit card approval will be greatly improved. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number and card address in the application form are all extra points for applying for a credit card, so don't ignore them easily!
4. The average comprehensive credit score is low.
It may be because one factor in personal qualifications is not up to standard, which leads to the comprehensive score not meeting the requirements stipulated by the bank. So in daily life, we should pay attention to all aspects.
There are several ways to repay by credit card. How to operate?
There are four ways to repay by credit card, and the specific operation steps are as follows:
First, the savings card bundled repayment
Bundled savings card means that when you apply for a credit card, you are bound to the bank's savings card. Most cardholders are salary cards. Then the final repayment date of the credit card is after the entry date, so the bank will automatically deduct the money when it repays, so you don't need to remember the time. You just need to make sure that there is enough money in your debit card, which saves most of the time.
Second, online banking online transfer
When using a credit card, open the online banking of the issuing bank, so you don't have to worry about finding a bank and not being able to pay back the money. Just turn on the computer and log in to the online banking, enter the password and click the mouse to easily complete the repayment without paying any handling fee.
Third, third-party repayment.
Most customers who choose third-party payment are inconvenient to repay by credit card. They don't want to go door-to-door to the bank, so they download a software for their mobile phones and swipe their mobile phones to complete the repayment business for free. At present, there are Alipay wallets, as well as the palm life of China Merchants Bank, or WeChat launched by mobile phones can also pay credit cards online.
4. Repayment in Lacarra
There are definitely few banks that choose Lacarra, and there is no choice of bank outlets at all. Such as Citibank. There are only two banks in Beijing, so Lacarra comes in handy.
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.
1, payee's account name, and fill in the name of the credit card holder.
2. Payee's bank: fill in "Bank Credit Card Center".
3. Transfer to payee's account: fill in 16-digit credit card.
4. Remarks: Fill in "Credit Card Repayment".
This concludes the introduction of how to repay credit cards and the rules of credit card repayment. I wonder if you found the information you need from it?