1. After opening WeChat (8.0. 15), click My button in the lower right corner, and select the option of clicking wallet in the personal interface.

2. Then, on the wallet page containing many functional modules, click the first credit card to repay.

3. Next, if you haven't added a credit card, there will be a welcome interface. Click the button I want to repay at the bottom to continue. Ask us to add a credit card to it, enter our name and card number accurately, and then click the Confirm Add button.

4. Then enter the repayment page and enter the amount to be repaid. At this point, the arrival time and handling fee will be displayed below. For example, if you enter 1000, you need to pay a handling fee of 1 yuan.

5. Click the exclamation point on the right side of the handling fee to pop up a small window showing the handling fee collection rules.

6. We will return the page to the wallet interface and click on the financial management module.

7. On the financial management page, slide the phone down to find a life service that pays back the credit card, and click.

8. There is also a welcome interface. Click on the settings at the bottom, make an appointment for repayment, and then you will enter the credit card repayment page. Click the I want free button on the right side of the repayment fee.

9. Then there will be a free explanation. As long as you invest in 500 yuan and above every month, you can be exempted from handling fees, that is, you can enjoy preferential policies from transferring money to 500 yuan and above. It's equivalent to depositing money in Licaitong and then returning the credit card.

Alipay provides a free quota of 2000 yuan per person per month.

In other words, there is still no charge for credit card repayment within 2000 yuan, and only a service fee of 0. 1% is charged for the excess.

For example, if you want to pay back 3,000 yuan of credit card through Alipay in a month, first subtract 2,000 yuan of free credit, and the service fee you need to pay is1000 * 0.1%=1yuan.

Since August 1 day, 2065438, the repayment function of WeChat credit card has been adjusted. Except for Platinum and Gold members of WeChat Wealth Management and users who successfully transfer money to 500 yuan or above every month, they can continue to enjoy free repayment. In other cases, credit cards are repaid through WeChat, and a handling fee of 0. 1% is charged for each transaction, with a minimum handling fee of 0. 1 yuan.

Because Alipay has a free credit card repayment amount of 2,000 yuan, no matter how much it pays, Alipay is less than WeChat by 2 yuan.