if it's a savings card that is bound specifically for returning the credit card, after the card is overdue, if there is money in the savings card, the system will naturally deduct money from it to make up the credit card debt. Or if the credit card is overdue for a long time, the bank will also deduct money from the cardholder's savings card in the bank, but it will not deduct money from the bank card of the user's other bank.
if the credit card is sued by the bank after it is overdue, it is very likely that the money will be deducted from the savings card of the user's other bank card after it is accepted by the court. After the credit card is overdue, the customer fills the bound repayment bank card in time, and then reminds the bank to make up the deduction as soon as possible. The sooner you pay off the arrears, the worse the impact will be.
main features of credit cards
cash is not allowed to be pre-deposited, and it can be repaid after consumption, with an interest-free repayment period, and it can be repaid by installments (with the minimum repayment amount), and it can be used worldwide by joining international credit card organizations such as VISA, Master Card and JCB.
is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range.
it has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.
is a high-tech product integrating financial business and computer technology.
it can reduce the use of cash currency.
it can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security.
It can simplify the collection procedures and save social labor.
it can promote commodity sales and stimulate social demand.
credit card repayment method
within the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!
repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.
The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.
Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.
the "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.
Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.
in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.