51 Credit Card Manager, WeChat, Alipay, Kanniu, etc., these are repayment channels; Xiaoying, Shengbei, Huanbei, etc., these are third-party repayment platforms, think of Xiaodai; Le Maozhifu, Tenglvtong, SoftBank, etc., these are smart repayment apps. Credit card repayment that helps repay is 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 in the same city and 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.< /p>

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 main function of this new industry is to use about 5%-10% of the balance in the card to formulate consumption and repayment plans and then pay through licensed payment methods. The company implements automatic recurring consumption repayments to achieve full repayment and charges a certain handling fee. The basic functions include bill management, local payment, and free card application. "