In fact, there are many ways to repay the credit card of CITIC Bank. When users repay, they can use the following methods:
1, repayment at the bank counter. When making repayment, users can bring cash and credit cards to the counter of CITIC Bank for repayment. However, this method is cumbersome and wastes a long time.
2.ATM machine for repayment. When users use ATM for repayment, it is basically the same as our ordinary debit card.
Users only need to insert the card, enter the password, and put the cash into the ATM, so they can repay the money at the ATM.
3. Online banking repayment. If the user has opened online banking, he can also make repayment through online banking. No matter which bank's online banking is ok. The specific operation mode is basically the same as transfer.
4. Third-party platform for repayment. Now many third-party platforms support credit card repayment, such as Alipay and WeChat.
Therefore, users can also use this method when repaying money.
Precautions for credit card repayment: Pay attention to the repayment date of credit card. Usually the repayment date is about 20 days after the billing date of the credit card. Between the billing date and the repayment date, the user must pay off the arrears to avoid overdue.
It is best not to overflow the deposit. At the time of repayment, many users may deposit more cash in their credit cards, which is called overflow deposit. Because this part of the cash will not generate interest, and the cash will be charged a handling fee. So it's best not to overflow the deposit.
What legal responsibility should credit card bear for overdue repayment, whether to bear legal responsibility or not, and to what extent, should be decided according to the amount and time of arrears. Generally speaking, there are such provisions:
First, if the amount owed is more than 1 10,000 yuan, and it is not returned for more than 3 months after being collected twice by the issuing bank, in addition to paying fines and arrears, it will also bear criminal responsibility and be investigated according to the crime of credit card fraud. In this case, it is also responsible for civil repayment.
Second, if the overdue situation is relatively light, but the repayment is 30 days later than the final repayment date, not only the arrears should be paid off, but also the penalty interest and liquidated damages should be paid. The penalty interest is 0.5 ‰ of the unpaid amount. Interest will be calculated on the day of consumption and will be compounded monthly until the principal and interest are paid off.