How to set up automatic credit card repayment

First, open Alipay Wallet and click "Credit Card Repayment" on Alipay Wallet.

2. After entering the "Credit Card Repayment" page, we can see the information of the credit card. Click the triangle below the credit card to see the item "Automatic Repayment Enabled".

3. Click on "Enable automatic repayment" and we will see "Enable it immediately", and then click "OK" in the reminder to import the email bill, and the bill will be automatically imported.

4. after importing the bill, we will return to "enable automatic repayment", then click "enable immediately", and then click "ok" in the reminder of importing the email bill, and then we can set up automatic repayment. Click "OK" after setting, and automatic repayment can be started.

operating environment:

brand model: iPhone13

system version: iOS15.3.1

app version: v1.2.56

AliPay is a third-party payment platform, which was launched on October 15th, 23. It was originally a department of Taobao, a website of Alibaba Group, in 24. Alipay has developed from a single payment tool to an open platform that provides payment, life service, government service, social interaction, wealth management, insurance, public welfare and other scenarios and gradually covers the whole industry.

in addition to providing convenient basic functions such as payment, transfer and collection, it can also quickly complete credit card repayment, phone charge and water, electricity and coal payment. Through the intelligent voice robot, you can reach hundreds of life services in one step, not only enjoy discounts on consumption, interact with friends, but also manage money easily and accumulate credit. List of countries and regions covered:

Hongkong, China, Macau, China, Taiwan Province, China, Japan, South Korea, Singapore, Malaysia, Thailand, Vietnam, Philippines, Indonesia, Australia, New Zealand, Ireland, Britain, France, Germany, Italy, Switzerland, Austria, Belgium, Netherlands, Monaco, Spain, Greece, Sweden.

Is it reliable to earn thousands of dollars a day by smart repayment?

No..

Smart repayment is to repay you by using the interest-free period from the billing date to the repayment date. It is not a one-time repayment, but a credit card consumption through the platform, and then it is returned, consumed, and returned in cycles until the bill is repaid this month. The letter returning APP agent only needs 5%~1% balance in your card to pay off your full bill.

as long as it is related to credit cards, there will be certain risks. "Smart Credit Card Repayment" is just a way to help those who can't pay off their credit card bills on time due to financial problems. We can't say that smart repayment is a scam. We can only say that smart repayment software is good or bad. After all, there are smart software on the market that can really help people who can't get credit cards to pay off their debts, and there are also black-hearted companies that run away with money. The key is to choose reliable software and reliable platform, so that security can be guaranteed.

If you choose a formal and secure platform, this repayment method has certain benefits. First of all, it helps you solve the problem that you can't repay your credit card in time and avoid overdue.

Secondly, intelligent repayment, as the name implies, is intelligent. During the repayment period, the system will help you automatically, without your own complicated operation.

The most important thing is that banks like small-amount consumers. The higher the frequency of consumption, the better they will be recognized as high-quality users. The system will allocate different dates and different time periods reasonably, and then execute them according to small-amount bills. You can swipe out many small amounts from your card, and return many small amounts, which will make your bill extremely beautiful and help to raise the amount of your card.

Is the platform of smart repayment credit card reliable?

Smart repayment software is not reliable, especially when using APP credit card for smart repayment, beware of loan traps.

Smart repayment is actually repeated cash repayment. Once the "cash-out" is confirmed by the bank, it may face bad consequences such as the reduction of credit line, which may even violate the law seriously. Therefore, it is not only illegal for consumers to use the "smart repayment APP", but also fall into other loan traps.

It was mentioned in the notice of risk inspection of new Internet finance format issued by the National Internet Finance Security Technical Expert Committee that the National Internet Finance Risk Analysis Technology Platform found a business model combining "credit card repayment" and Internet finance, saying that this kind of business involves issues such as illegal cashing of credit cards, high fees charged by the platform, and information security of users' credit cards, and the potential risks are worthy of attention.

according to the statistics of the national internet financial risk analysis technology platform at that time, the repayment credit card platform mainly existed in two forms: website and APP, and some platforms operated both websites and apps. The technology platform has monitored more than 14 replacement platforms, including more than 7 related website platforms and more than 8 operating apps.

The most formal smart repayment APP

The credit card repayment software is better as follows:

1. 51 Credit Card Manager

As early as May 212, 51 Credit Card was established, and the "51 Credit Card Manager" app was pioneered to help users intelligently manage credit card bills with one click, managing over 3% of active credit card bills in China.

This software can not only realize the automatic import of mail bills and query bills at any time, but also set credit card repayment reminders and provide one-click repayment operation. It also supports mainstream repayment channels such as 51 Pinbao and Alipay.

2. Kaniu Credit Card Manager

Kaniu Credit Card Manager is a professional software for managing credit card limits. It supports the full-automatic SMS bookkeeping function of 178 banks including China Merchants Bank, China Construction Bank, China Bank, Agricultural Bank, Industrial and Commercial Bank, Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, China CITIC Bank, Huaxia Bank and Postal Savings Bank, and supports about 2 in 5 banks.

in addition, you can also manage real-life cards and set repayment reminders.

3. Wealth-digging credit card manager

Users can manage their credit cards through the binding of multiple mailboxes, supporting four major state-owned banks and nearly 2 banks including China Everbright, Guangfa, Shanghai Pudong Development Bank and Xingye, and supporting multi-national currencies.

after the email is bound, the consumption information of personal credit cards will be automatically entered for intelligent data analysis, and the data such as the minimum monthly repayment amount and interest-free period will be calculated according to the situation of each bank, and the details such as repayment, minimum repayment, interest-free period and bill of each credit card will be presented in the application. Moreover, the software will also make a push reminder of repayment 3 days before the repayment date and on the same day.

Credit card revolving repayment skills

Credit card revolving repayment skills are relatively simple. You can use the first card to withdraw cash, then use it to return the second card, continue to withdraw cash with the second card, and then repay the first credit card. This method is more advantageous. If there is a big gap between the amounts that can be withdrawn from these two cards, you can choose to pay them back several times. Then there are some prerequisites, that is, the repayment dates of the two cards and the date of the bill need to be staggered, so that you can have enough time to operate.

1. The method of recycling credit cards

For example, a bill owes about 4, yuan, if the credit card has no money to repay. You can pay back 4, yuan of the credit card with 2, yuan, pay for two days first, and deposit it immediately after taking it out the next day, which is equivalent to completing two repayments. But in this process, it is not that there is no need for any fees, but the corresponding cash withdrawal fees should be paid.

2. Will there be expenses for credit card revolving repayment

In the process of credit card revolving repayment, there will be expenses if cash withdrawal is involved, mainly the formalities fee. As for the formalities fee, it depends on what kind of credit card you are. Generally, it is around 1%, and the minimum charge for a single transaction is probably 1 yuan. The interest of some banks may be calculated from the second day, for example, according to 5/1. If it is 2 yuan, the daily interest is basically one yuan. Because credit cards are not allowed to repay another credit card by direct transfer at all, this method is the only choice.

3. What's the smart way of credit card revolving repayment

In fact, you can choose the smart repayment method, which is the latest repayment method. As long as you leave 5%~1% of the funds in the credit card, you can effectively realize full repayment immediately, and the one-click setting is relatively simple and convenient. In addition, it is also necessary to set some repayment time effectively according to the amount of repayment, and the number of repayments or the amount of repayment can also be managed automatically.

what do you mean by automatic credit card repayment?

It means that the bank will automatically transfer the money from the debit card to the credit card for repayment on the last repayment date of the credit card.

for automatic repayment of credit card, it is necessary to bind the debit card with the credit card, set automatic deduction at maturity, and ensure that there is enough money on the bound debit card, otherwise the automatic repayment will fail.

The common repayment methods of credit cards in China mainly include the following categories (according to the level of fees):

1. Intra-bank repayment

The repayment methods mainly include: counter of 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.

2. Mobile phone repayment

A 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!

3. Repayment of convenience stores

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

4. 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.

5. 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.

6. Counter access

Counter access refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

7. 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.

8. Xinfutong

The "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 China UnionPay's inter-bank information exchange network.

9. Repayment Pass

Repayment is made through 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.

1. Other methods

In addition to these repayment methods, the issuing bank has also opened their own repayment methods to facilitate the cardholder's repayment.

Extended information:

Consequences of overdue credit card

1. Liquidated damages, usually the minimum repayment amount, account for 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

Baidu Encyclopedia-Credit Card

This is the end of the introduction about the smart credit card repayment and whether the smart credit card repayment app is legal. I wonder if you found the information you need from it?