How to repay with a credit card

(1) Go to the bank counter to make repayment. After receiving the credit card bill, the cardholder brings cash to the counter of the card-issuing bank to make repayment. Cardholders only need to inform the staff that they want to handle credit card repayment.

(2) Repay through ATM machine. The cardholder can complete the repayment operation by finding the ATM machine of the card-issuing bank, and depositing cash into the credit card account to complete the repayment.

(3) Repay through online banking. The cardholder logs into online banking and transfers the repayment amount from the debit card to the credit card account. If the cardholder makes a peer-to-peer transfer, he does not need to pay the transfer fee; if the cardholder makes an inter-bank transfer, he needs to pay the corresponding fee to the bank.

(3) Repay through mobile banking APP. The cardholder opens and logs in to the card-issuing bank's mobile APP, enters the credit card repayment interface, and follows the prompts on the interface to complete the credit card repayment.

(4) Automatic repayment. Cardholders can activate the automatic repayment service at the bank, bind the savings card and credit card, and set the automatic repayment date (must be before the final repayment date of the credit card). As long as the cardholder's savings card has sufficient funds, the bank will automatically debit the savings card to repay the credit card bill.

(5) Repay through payment software. Whether it is Alipay or WeChat, as long as the cardholder binds his or her credit card to the payment software, he or she can make credit card repayments through the payment software.

It should be noted that the payment software has a free limit limit. If the repayment amount exceeds the free limit, the cardholder will need to pay the corresponding handling fee based on the excess amount.

How to repay with a credit card

How to repay with a credit card:

1. The credit card repays the money through automatic deduction from the repayment account. The credit card will deduct the corresponding amount from your bound repayment account on the repayment date, but you must ensure that the repayment account has sufficient funds.

2. Credit card repayment through bank counter. Bring your credit card, ID card, and repayment funds to a bank branch for repayment.

3. Credit card transfer and repayment through ATM machine. You can repay by directly depositing the repayment funds into your credit card.

In addition to the above traditional repayment methods, you can also repay through online banking, mobile banking APP, and UnionPay QuickPass APP.

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How to repay with a credit card

Credit card repayment methods:

1. Repayment at the counter. Take the repayment funds to the bank counter for repayment.

2. Repay at self-service deposit and withdrawal machines. You can repay the money by depositing the funds into the repayment account.

3. The repayment account will be automatically deducted for repayment.

1. Things to note when using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.

3. Only by swiping your card frequently can you avoid the annual fee; only by paying back on time can you increase your credit limit

Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.

5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.

2. Reasons for rejection of credit card application:

1. Unclear personal credit report

It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.

2. The basic conditions are not up to standard

You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.

3. There are problems with the application materials

On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!

4. The overall credit score is low and average

Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.

How to repay Bank of China credit card

Currently, our bank has many ways to handle credit card repayment: you can use our bank counter, automatic deposit and teller machine (ATM), online banking Active repayment through transfer, "Bank of China Credit Card" WeChat official account, Colorful Life APP and other channels; or self-service repayment through inter-bank transfer, Alipay and other third-party channels; if you hold our bank's debit card, Great Wall credit card, current account You can also apply for automatic repayment.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

This is the end of the introduction on how to pay off a credit card and how to pay off a credit card. Have you found the information you need?