What should I do if my credit card repayment reaches the maximum limit? Baidu knows

What should I do if two CCB credit cards are repaid to one card? ...Expand

Lao Zhouzhang Knowledge

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; Many card friends have applied for two credit cards at the same bank and still have When making a payment, you have to pay attention to the bank's repayment rules to see if it is enough to repay only one credit card, or whether it must be repaid to the corresponding credit cards according to the card number. Some netizens asked, saying that they had returned two CCB credit cards to one card and wanted to know what to do. Let’s give a brief introduction below.

Before solving the problem, first understand the repayment rules of multiple CCB cards.

Multiple CCB credit card credit limits are shared, but the accounts are independent. Under normal circumstances, you need to repay the corresponding outstanding amount to the credit card separately according to the card number of each card. . However, China Construction Bank has a "one-click repayment" function that allows for combined repayment of multiple cards without the need to press the card number individually for repayment.

Cardholders need to follow "China Construction Bank" on WeChat to bind the card, find "Credit Card - Bill/Repayment/Limit Management" in the bottom menu bar, click the pushed repayment link to log in, and select " "One-click repayment" allows you to repay the current balance of all Dragon Card credit cards under your name at once. You can choose to repay in full or the minimum repayment.

Look next, what should I do if I repay two CCB credit cards to one card?

If you repay the balance of two cards to one card through one-click repayment, there will be no impact and no processing is required. If you do not use one-click repayment, but deposit the repayment amount of two cards into the card through the card number of one card, only one card will be counted as repayment, and the excess money after repayment will become an overpayment. It will not be automatically transferred to another card.

If not resolved in time, the other card will expire. As for how to solve it, the method is very simple. You need to upgrade CCB Mobile Banking to the latest version. After logging in, find the "Credit Card - Cash Transfer" function and transfer the overpayment in the card to another credit card.

For example:

Suppose there are two CCB cards, card A owes 3,000 yuan, card B owes 2,000 yuan, the total owes 5,000 yuan, and cardholder A passes All 5,000 yuan has been paid back to card number A. After deducting the balance of card A, there is an overpayment of 3,000 yuan left. You need to use the "credit card-cash transfer function" of the new version of mobile banking to transfer the 3,000 yuan to B. Only when the balances on both cards are paid off will the balance be paid off.