the repayment date of a credit card is not absolutely fixed, but is determined according to the billing date. The billing date of a credit card is fixed every month, and how many days after the billing date is the final repayment date, and the regulations of each bank are different. Therefore, if you want to change the final repayment date, you can only change the credit card billing date.

The common credit card repayment methods in China mainly include the following categories (according to the cost level):

Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

Counter link

Counter link refers to the bank card issued by various networked financial institutions, which conducts RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

xinfutong

"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass

Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

Intelligent Repayment

A new industry, its main function is to make a good consumption and repayment plan by using the balance of about 5%-1% in the card, and then carry out automatic recycling consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. Its basic functions include bill management, local payment and free card application.