The use method of credit card is: according to the issuing bank and the currency to be paid, select the corresponding POS machine, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank and pay, and input the corresponding amount. Credit card repayment method is as follows:
1. Bind the credit card with the bank's savings card, as long as the funds in the savings card are sufficient, and the bank will automatically deduct the money when repaying, without manual transfer to the bank;
2, Alipay repayment, the credit card will be bound to Alipay to repay through Alipay every month;
3. WeChat repayment, pay attention to the official WeChat account of the issuing bank, such as China Merchants Bank Credit Card. After paying attention, click the menu bar at the bottom to enter the credit card repayment page;
4. Repayment by mobile APP, download the mobile APP of the issuing bank, and repay when due;
5. Repayment in Lacarra, there are fewer credit card outlets, but the repayment fee is 2 yuan/pen;
6. Online banking transfer repayment or inter-bank transfer repayment.
How to use and repay credit cards
1, use credit cards correctly
The use of credit cards must follow the principles of compliance, moderation and truthfulness. Cardholders must use the credit card limit within the scope of use stipulated by the bank, such as consumption and installment, and to ensure the authenticity of the business, they must avoid cashing out with credit cards, otherwise they will be monitored and closed by the bank.
In addition, the credit card must be used by yourself and cannot be lent to others.
2. Credit card repayment method is as follows:
Related debit card repayment. When applying for a credit card, you can fill in a debit card of our bank for automatic repayment to prevent you from forgetting to repay when due.
Self-service transfer repayment, we can transfer the repayment amount to the credit card through various transfer channels.
Cash repayment, we can go to outlets or ATM machines to deposit cash directly into credit cards for repayment.
Repayment by installments. If you feel that the repayment pressure is too great, you can also call the credit card customer service hotline or apply for installment repayment by yourself. After success, you only need to repay on schedule.
How to return the credit card?
You can apply for credit card repayment through the following channels:
1. Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Repayment" on the homepage to repay your own ABC credit card or someone else's ABC credit card; Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of credit card arrears of ABC.
2. Online Banking: Please log in to personal online banking and click "Credit Card → Repayment → One-click Repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.
Tips: If you need to return his credit card, you can transfer it.
(Answer time: June 25th, 202 1. In case of business changes, please refer to the actual situation. )
Can I repay my credit card? How do I repay my credit card?
Can I repay my credit card?
Credit card can repay credit card, provided that you have two credit cards, and the credit card used for repayment is higher than the credit card to be repaid.
Method 1: It is the most direct credit card repayment method to withdraw cash and then repay it through the bank counter and ATM. The disadvantage of this repayment method is that there is a handling fee. There is no handling fee for some banks to withdraw cash from credit cards, which requires a full understanding of the credit cards you own. The amount of direct withdrawal will be directly included in the fees payable in the next repayment cycle. In other words, you can only solve the urgent need, and you will still suffer next month.
Credit cards have direct withdrawal limits. If you are in a hurry, you can only take this stupid way.
Method 2: recharge the third-party payment account with a credit card and then repay it.
Using a third-party account as a transition from recharging to repayment has the advantage that you can complete related operations online without directly withdrawing money. It should be noted here that this repayment method has to go through two links. One is to recharge the third-party account. Let's take Alipay as an example. The second is to repay the credit card with Alipay.
Cost comparison of two credit card repayment methods
China Industrial and Commercial Bank of China Credit Card Withdrawal Charge Rules:
Local banks are free; Local inter-bank 2 yuan/pen; 1% of the bank's off-site cash withdrawal amount, with a minimum of 1 yuan per transaction and a maximum of 50 yuan per transaction; 1% of the inter-bank cash withdrawal amount in different places, with a minimum of 1 yuan/transaction and a maximum of 50 yuan/transaction, and an inter-bank handling fee is added for each 2 yuan.
ICBC does not enjoy interest-free repayment period for overdraft withdrawal of credit cards. From the bookkeeping date to the repayment date, overdraft interest will be charged at the expected annualized interest rate of 0.5 ‰ per day, with compound interest on a monthly basis.
Repayment for your own credit card: If the account name is the same as the account name of the credit card repayment account, I will repay it, no charge, whether it is computer-side repayment or mobile phone client repayment.
Repayment for others: 1: The account name is inconsistent with the account name of the repayment credit card, which can be divided into two situations: using Alipay wallet (Alipay mobile phone client) to repay for others without charge; Case 2: Repayment for others at the computer client requires a handling fee, and the computer terminal will charge a service fee for the repayment amount (minimum 2 yuan/transaction, maximum 25 yuan/transaction).
Credit card or credit card? How come? You can use the following methods
1. Cash withdrawal and credit card repayment
2. It is not recommended to use illegal cashing.
Can I transfer money from one credit card to another?
4. Precautions for using credit cards
How to pay by credit card?
Generally speaking, only one credit card can be returned to another for cash withdrawal. This repayment method is very uneconomical. Cardholders need to pay a certain fee and interest when using credit cards to withdraw cash. Interest is calculated on a daily basis, and the longer the withdrawal time, the higher the user's cost. Different banks have to pay different fees to withdraw cash by credit card. Paying back a credit card with a credit card means that it is difficult for users to repay. At this time, the cardholder can borrow money from relatives and friends and repay the arrears, but he must return it to the lender in time; After returning the credit card, users should spend rationally at ordinary times, and do not exceed their tolerance to prevent overdue repayment.
So much for the introduction of how to use credit card for repayment.