You can bind the credit card to the savings card and repay it automatically, so that you won't forget to repay it and won't exceed the interest-free period. This is the most cost-effective way.

For credit card repayment, there are generally three ways:

The first type: bring credit cards and money directly to the bank counter for repayment.

The second type: repayment through online banking.

The third type: payment and repayment through a third party. Then, how to repay by credit card is the most cost-effective. In fact, you can bind the credit card to the savings card and repay it automatically. Will not forget to repay, and will not exceed the interest-free period. Naturally, this way is the most cost-effective way.

The so-called automatic credit card binding repayment means that the cardholder binds the credit card and the debit card, stipulating that the bank will automatically transfer the credit card bill amount from the debit card to the credit card on the repayment date. So once bound, the cardholder doesn't have to do anything, as long as the debit card is guaranteed to be rich, it can be done once and for all.

What else should I pay attention to when repaying?

1. The withdrawal fee cannot be paid in installments.

Occasionally, when you are in urgent need of cash, you will use your credit card to withdraw money for urgent needs. As we all know, there is a handling fee for withdrawing cash by credit card, and this handling fee cannot be paid in installments. If you withdraw cash by credit card, write this down.

2. Temporary lines cannot be staged.

Like the withdrawal fee, the temporary limit is used to cancel the secondary limit of the credit card, which can avoid the embarrassing situation that the limit is not enough when spending on holidays. However, the temporary quota used cannot be phased, and how much is used. Therefore, card friends should not brush too hard when using temporary quota ~

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 delay of repayment for one to three days.

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.

How to return the credit card?

Credit card repayment method is as follows:

1. Repayment at the bank counter: Go to the counter of the credit card issuing bank and tell the bank teller that it is enough to repay by credit card, and cash needs to be prepared;

2.ATM repayment: sufficient cash needs to be prepared for the deposit operation at the ATM of the credit card issuing bank;

3. Online banking repayment: find a savings card with rich balance and online banking, and make repayment to the credit card account through peer or inter-bank transfer, and the service fee will be deducted from the inter-bank transfer operation;

4. Associated Savings Card Repayment: Generally, when processing a credit card, the bank staff will ask if it is possible to process a colleague's savings card, associate the savings card with the credit card, and set the deduction date. As long as the savings card has enough assets, the bank will automatically withdraw money from the savings card every month to repay the credit card, without worrying about overdue repayment of the credit card.

Precautions for credit card installment payment:

1. Before the installment loan, you should read the contract clearly, especially the interest and default clauses;

2. Note that some services in the contract are optional and can be selected according to your own situation;

3. The installment fee is often directly related to the number of installments, so we should choose the most suitable number of installments according to our own situation;

4. Remember the monthly repayment date clearly to avoid liquidated damages or bad credit records due to overdue repayment;

5. Look at the conditions of prepayment and know the charge and calculation of expenses in advance.

This is the end of the introduction on how to repay credit cards correctly and how to repay credit cards with credit cards. I wonder if you have found the information you need?