How to repay a credit card on your behalf
To put it simply, the intermediary agency first repays the overdraft limit that is about to expire, and then uses the card to make purchases. Wipe out all the recent repayment amounts. In fact, just pay it back first and then brush it out.
Credit card repayment is an effective way to relieve repayment pressure. In the process of finding an intermediary agency to handle repayment, the repayment date can be postponed. It means that when the cardholder's credit card final payment date expires, and the cardholder is unable to repay the full amount immediately, and has to pay high interest on the minimum repayment, in order to maintain a good credit record, he or she can entrust Others repay it on your behalf, and then the repayment amount is swiped out by swiping the card for consumption, and the funds are returned to the repayer.
Steps to find someone to pay off your credit card on your behalf
It is actually very simple to find someone to pay off your credit card. Generally, the person who pays off your credit card only needs to know the credit card. In this era, the person who pays off your credit card will be able to pay off the credit card debt. payment. Specific steps: 1. The cardholder must find an intermediary or individual to repay the bill before it is due.
2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.
3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.
4. Then use the POS machine provided by the other party to withdraw the same amount.
5. Finally, the cardholder pays the return fee to the returner.
Credit card payments cannot be overdue during the repayment process, because overdue repayment will generate penalty interest, and the longer the time, the more penalty interest will be generated. After overdue repayment, the bank will collect money. A common method of collection is to call the borrower's phone number until the cardholder has paid off all the debt.
In fact, when a credit card cannot be repaid on time, users can use installment repayment or the minimum repayment amount, so that the monthly repayment amount can be reduced and overdue repayment will not occur. When using installment repayment, users can choose different repayment periods based on their income, and can repay in advance later.
In order to avoid late repayment after using a credit card, users must think about their repayment plan in advance when using a credit card and know what kind of income they will use to repay the debt. If your income is relatively small, you should be careful when using credit cards. Generally, the credit card consumption limit does not exceed 50% of your monthly income and you can repay it on time.
How to repay a credit card for others
The specific operation method of repaying a credit card on behalf of others:
1. The cardholder must find a good repayment agent before the bill is due. intermediary or individual.
2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.
3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.
4. Then use the POS machine provided by the other party to withdraw the same amount.
5. Finally, the cardholder pays the return fee to the returner.
Credit card agency still has certain risks. You must find a formal agency to avoid being defrauded of personal information and property.
1. Direct ATM repayment:
If you don’t have a friend’s credit card, you can directly conduct card-less transactions at the ATM, enter your friend’s credit card number, and transfer the money directly to your friend. On the card, the purpose of repayment can be achieved. If so, you can directly deposit money to repay.
2. Alipay repayment:
1. Log in to your Alipay account, click Application Center - Credit Card Repayment - Credit Card Management
2. Click Add Credit Card
p>3. Fill in the credit card related information and click OK
4. The credit card is added successfully. You can directly select the set credit card for repayment next time. It is convenient and fast. You can also Choose to modify settings or delete credit card information.
Use Alipay to help others pay off their credit cards. Repayment through the Alipay mobile client is free; repayment through the computer terminal will charge a repayment rate of 0.20%, with a minimum of 2 yuan per transaction and a maximum of 25 yuan per transaction.
Warm reminder: If the account name is consistent with the name of the beneficiary bank, it is repayment for yourself; if the account name is inconsistent with the name of the beneficiary bank, it is repayment for others, including the name of the credit card holder and the name of the Alipay account. The relationship between traditional and simplified characters.
3. Online banking repayment:
First of all, you must open online banking, and then you can directly use online banking to transfer money to the other party's credit card, which can also achieve the purpose of repayment. .
4. Repayment at the business outlet:
After arriving at the business outlet, directly transfer the money to the other party's bank card. The salesperson will execute it after your confirmation, and the repayment is achieved. Purpose.
Operating environment: WeChat Version8.0.16, Alipay version 10.2.0.9000, Industrial and Commercial Bank of China v6.1.0.8.0, Agricultural Bank of China v6.8.0
About how to repay a credit card and how to repay a credit card without charging This concludes the introduction to handling fees. Have you found the information you need?