12 online credit card repayment options recommended by friends who are short of money and must-haves

Using credit cards for daily consumption is not only convenient and can save money, but more importantly, it can last Cardholders can enjoy the interest-free repayment period, but they still have to pay back the money at maturity. As the saying goes, if you often walk by the river, your shoes will not get wet. What should I do if I have no money after my credit card is overdrawn? Here are 12 online credit card loan repayment opportunities for you, if you are short of money.

1. You can repay the loan

It is a special credit card repayment channel provided by Ping An Bank. It can lend money in as fast as 15 minutes, and you can apply for a loan of up to 100,000 yuan. Pay off credit card limit. Applicants can apply as long as they are over 18 years old, and the monthly interest rate is as low as 1.17, making it a relatively reliable online loan repayment credit card opportunity.

2. Kakadai

The main feature is low-rate credit card repayment. Pure online application requires identity authentication, credit card binding, mobile phone real-name and credit verification. . The more complete the information you provide and the better your credit conditions, the more you can apply for a repayment credit card limit of up to 50,000 yuan.

3. Quick loan approval

4. Huanjiebao

5. Jiaka Loan

The applicant must be 20 years old Before the age of 40, you must have a credit card and debit card in your name, your mobile phone number must be authenticated by real name, and your personal credit report must be good. The limit for applying for credit card repayment using Jiakadai software is generally between 3,000 yuan and 30,000 yuan. If you have good credit, it shouldn't be a problem to make a payment of 20,000 yuan.

6. Kuaika Flash Loan

Kuaika Flash Loan is an online credit card repayment option in Kanniu Credit Card Manager. As long as your credit card is in good condition and you are over 18 If you are 1,000 years old, you can apply for a loan ranging from 1,000 to 50,000.

7. Pay it back

The approved amount will be directly transferred to the credit card account for repayment, up to 30,000 yuan, and you can freely choose to repay in 3/6/12 installments , and the interest paid back is 50% off the expected annual interest rate of the minimum repayment of the credit card.

8. Miaofen

Miaofen requires good credit, and the repayment credit card limit that can be applied for is between 500-30,000. Miaofen requires applicants to be over 20 years old, and needs to verify their mobile phone operator. In addition, if they have Taobao and JD account authorization, it will be helpful for the quota and approval rate.

9. Flowers for you

Applicants must be between 22 and 40 years old. Online application, quick review, and payment in 1 day; the minimum loan amount is 500 yuan, and the maximum loan amount is 10,000 yuan; supports 12-month long-term installment repayment.

10. Xiaoying Kadai

Xiaoying Kadai is a recommended online credit card loan with a loan limit of 2,000-50,000 yuan and a loan period of 3 -12 issues. The monthly interest rate range is 0.34-0.37, the monthly service rate range is 1.11, and the handling fee is 2, which is directly deducted when lending.

11. Kuaiyihua

This credit card repayment platform focuses on the concept of overdraft consumption within the personal limit. Spending over 100 yuan will be automatically divided into 12 installments. At the same time, the maximum You can enjoy 30 days of interest-free payment. The minimum handling fee per period is 0.5, which is equivalent to about 30% of the annual interest rate of bank credit card bill installment repayment.

12. Kungfu Loan

Kongfu Loan is an old credit card online loan company. Its main feature is fast disbursement. According to personal information, the maximum loan limit is 100,000, except In addition to a credit card, authorization is required for Zhima Fen.

For the above 12 credit card repayment online loan options, cardholders can choose according to their actual needs. However, we would like to kindly remind you that repayment of credit cards should only be done as a last resort, otherwise it is easy to fall into the trap of repayment. Vicious cycle.

Which credit card repayment app is the most formal?

The popularity of credit cards is already very high. Many people will encounter problems of one kind or another in their daily use. Regarding credit card repayments, Problems occur frequently. Many people forget to repay or miss repayments because they forget the repayment time and misremember the repayment amount.

Today, the editor will take you to take stock of those credit card repayment apps and compare which one is more convenient and easy to use.

What are the credit card repayment apps?

What are the credit card repayment apps? There are actually quite a few credit card repayment APPs on the market today, and the more familiar ones are WeChat, Alipay, UnionPay, etc. Next, let’s look at them one by one.

1) WeChat, WeChat credit card repayment is a commonly used method for credit card repayment, mainly because WeChat can provide bill inquiry functions, repayment date settings, etc. For those who are busy at work and often forget to repay the credit card, It’s more convenient for those who are short on time. However, since WeChat requires a handling fee of 0.1% of the repayment amount for each credit card repayment, the number of people using it has decreased a lot.

2) Jabaobao, this is a credit card WeChat service platform for bill deferred repayment. After binding the credit card, you only need to set the repayment date, the amount to be repaid and the number of repayments. Yes, the handling fee for deferred repayment of a 10,000 yuan credit card debt bill is 56 yuan. After the deferred repayment of the Jababy bill, the credit card will not incur any fees in the same month. It is fast and convenient, with one-click operation. Many friends like to use this. When cardholders have no funds to repay or have difficulty repaying, they can use deferred repayment. Long-term and stable credit card consumption and repayment can effectively help credit card holders improve their personal credit scores and consumption limits.

What are the platforms for credit card repayment?

51 Credit Card Manager, WeChat, Alipay, Kanniu, etc., these are repayment channels; Xiaoying, Shengbei, Huanbei, etc., these are third-party repayment platforms, think of small loans; Le Maozhifu, Tenglvtong, Softbank, etc. These are smart repayment apps. Credit card repayment that helps repay the loan refers to when the cardholder's credit card consumption reaches the final repayment date. In order to ensure the cardholder's good credit record, The bill consumption funds will be returned to the bank. In-bank repayment

This repayment method mainly includes: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakara

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchase Lakara device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone is independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network Innovative electronic products.

Repayment Pass

Use "Repayment Pass" to repay, and the fees are generally charged according to the local inter-bank transfer fees and long-distance inter-bank transfer fees stipulated by the local People's Bank of China. .

Intelligent repayment

The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc. "

What are the software that can help pay off credit cards?

Nowadays, there are many loan borrowing services on various platforms, with many brands, and the selectivity for many users is relatively high. Big, especially now that there is a kind of loan that needs to be repaid on other platforms. There are still many such projects, especially many APPs that find out the psychology of users and choose other platforms for repayment. This is There are many online searches, so the editor will take you to take a look at the trustworthy credit card payment software.

First of all, we need to understand that Huanbei APP is known to have a large number of users and high practicality. Repayment product, this repayment is a brand owned by Shanghai Shuhe Technology, and the brand is functional, has a wide range of users, and has wide coverage. It can help users repay credit cards in installments at low interest rates and enable timely borrowing. The APP is through Borrow money on the platform and then repay it to another platform in a timely manner. The user will repay the money to the Huanbei APP in the next month, so that he can postpone the repayment through recurring borrowing and repayment.

There is also the Kakadai APP. This APP is a fully intelligent credit card repayment platform, and the service number and application number of the APP can be applied on the APP. You only need to fill in your own relevant information number to register. I got a loan, and one of the advantages of this loan is that it has low risk, and the loan service efficiency is high. The loan capital is relatively high, which can reach about 50,000, and the monthly fee is as low as 0.5, and the borrowing speed is relatively fast. , generally disburse money on the same day of borrowing, and provide installment modes of even-numbered repayments from 6 to 24 installments.

You can also choose Shengbei APP. Shengbei APP is the first company to introduce balance loans in China. It is an Internet financial brand and is supported by Harbin Bank’s net lending, which shows that the APP is a very reliable platform with a very sufficient capital chain, and it can also be divided into three phases for borrowing, including 3 tranches, 6 tranches, and 12 tranches. The standard repayment fee is generally about 70% of the bank fee.

The above three credit card repayment software are also relatively reliable. Of course, there are also some other repayment APPs, but each of them is repayable. The repayment interest rates of APPs are different, and the methods and even risks are also different. Try to choose several repayment APPs with high user rate, high support rate and high frequency of use.

What are the products for repaying credit cards?

As the concept of spending first and paying later takes root in the hearts of the people, more and more people choose to pay with credit cards. However, if they use it more, it is inevitable that they will not be able to pay. I have collected and sorted out some credit card agents. Return the product for your reference in case of emergency

Huanbei

Huanbei is a credit card bill installment app that helps users pay off their credit cards in low-interest installments. Pay back the loan, and Huabei offers a 50% discount on the bank's minimum repayment interest, with a maximum limit of 30,000, and you can freely choose to repay in 3/6/12 installments

Xiaoying Card Loan

The loan limit of Xiaoying Card Loan is between 2,000-50,000 yuan, and the loan period is 3-12 periods. The banks that currently support repayment include: China Construction Bank, Bank of China, China Everbright Bank, Industrial Bank, China CITIC Bank, China Merchants Bank, Minsheng Bank, Hua Xia Bank, Ping An Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Bank of Shanghai, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, Bank of Beijing.

Kuaiyihua

Kuaiyihua is a consumer finance credit payment service launched by Kuaiqian Company for individual users. After applying for activation, you can enjoy the convenience of shopping first and paying back later. Service, and like a credit card, you can enjoy a one-month interest-free period, or use automatic installment payments.

You can repay the loan

The credit card reimbursement product launched by Ping An Bank has loan amounts ranging from 1,000 to 100,000 and a monthly interest rate of 1.17. Currently, it only supports credit cards from 17 mainstream banks, respectively. Are: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Everbright Bank, China Guangfa Bank, Huaxia Bank, China Minsheng Bank, Ping An Bank, Industrial Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, Postal Savings Bank, Bank of Shanghai , Bank of Beijing.

Kakadai

The main feature of Kakadai is low-rate credit card repayment. Pure online application requires completing identity authentication, credit card binding, mobile phone real-name and credit verification. The more complete the information you provide and the better your credit standing, the more you can apply for a repayment credit card limit of up to 50,000 yuan.

Sina Youhuan

A credit card repayment app developed by Sina iAsk HP. Credit card users can submit application review information through the Sina Youhuan App and WeChat service account, and the maximum loan amount can be 20,000 yuan, interest is charged based on the actual number of borrowing days, and is charged at one thousandth of the daily borrowing amount. The term is one month, and early repayment is possible.

That’s it for the introduction of credit card repayments.