Credit card repayment method of China Construction Bank:

1. Online transfer repayment is generally based on online payment platform, and their attached credit card repayment function can be operated by the bank or across banks, with no charge.

2. The bank's debit card transfer repayment means that the bank's debit card (savings card) is used to repay the bank's credit card in the form of transfer, and there is no charge;

3. Debit card transfer repayment of other banks means that the debit card of other banks is used to repay the credit card of our bank, which is carried out by inter-bank transfer with inter-bank charges;

4. Agreed self-service repayment means to bind a debit card of our bank with the credit card you hold, and deposit money in this debit card. On the due repayment date, the bank will automatically deduct the corresponding amount owed from the debit card, and just fill out an application form for agreed repayment in the bank, without charge; (It should be noted that it is necessary to ensure that the balance in the debit card is enough to pay off the full amount owed by the credit card, otherwise the bank will not deduct the money, which is equivalent to the non-repayment).

5. repayment by outlets.

Precautions for credit card repayment:

Minimum repayment amount:

As long as the card owner pays the minimum repayment amount, it not only relieves the financial pressure, but also does not affect the credit investigation. However, banks will not tell you that this is their favorite repayment method.

the cardholder chooses the minimum repayment amount, and the current bills are not entitled to interest-free repayment, and the overdraft interest is calculated according to five ten thousandths, which is the so-called "full penalty interest".

it's okay to use it occasionally, but it's not very recommended to keep the interest at a minimum for a long time, because the annualized interest rate may reach 2% to 3%.

some people may think that the interest of five ten thousandths is not much, but you should know the truth that many a mickle makes a mickle. Moreover, no one's money is blown by the strong wind, so if you can save it naturally, you can save it.

normally, the day when the cardholder repays is taken as the demarcation point. Before repayment, interest is calculated on a daily basis based on the total amount owed, and after repayment, interest is calculated on a daily basis based on the remaining amount owed. The sum of the two items is the total amount of interest payable.

if interest is included in the amount of the previous bill, and the cardholder fails to pay off all the arrears on the final repayment date, the interest of the principal of the previous period will be calculated as the principal of the next period.

In fact, the bank defines whether the cardholder is overdue according to whether the cardholder has paid off the minimum repayment amount before the final repayment date. Once overdue occurs, it will generate corresponding liquidated damages.

in order to avoid similar situations in the future, it is suggested that the card owner make full repayment before repayment.

Automatic repayment:

The most important thing to pay attention to in credit card repayment is the repayment time. Many people will choose the last repayment date. It is suggested that the card owner should pay it back a few days in advance. If the repayment date is not paid, or the repayment is delayed, it may be overdue.

Generally, banks will allow about 3 days for repayment, and they are afraid of using unreliable methods, or encountering repayment software or system maintenance. Once the repayment date is not returned, the repayment may be overdue again. Of course, this kind of situation is relatively rare, and this is prevention first.

Secondly, many people choose automatic repayment in order to avoid trouble. In fact, there is nothing wrong with this, but we must pay attention to the deduction time of the issuing bank.

if the salary is not received in time, it may exceed the deduction period, which will lead to overdue. To solve this kind of problem, it is best to ensure that there are sufficient funds in the savings card.

however, credit cards also provide a lot of convenience for life. It must be used reasonably, otherwise it will easily become a "card slave".

Repayment on the repayment date or overdue:

In order to enjoy the interest-free period to the maximum extent, some friends like to make repayment on the credit card repayment date, which is very dangerous.

for example, the repayment date of a credit card is the 1th of each month, and the repayment operation is carried out on the 1th.

if the bank deducts money at 16: on the repayment date, but you deposit the money into the savings card bound by automatic repayment at 17: , the bank deducts money unsuccessfully, which may lead to overdue.

Overpayment does not bear interest:

Overpayment of a credit card, which exceeds the repayment amount, is called "overpayment".

"Overpayment" can be directly used for consumer repayment. If there is overpayment in the card, the overpayment will be deducted first and then the credit line will be deducted; If the overpayment is greater than the consumption amount, there will be no overdraft.

I suggest that you should avoid "overpayment", because credit cards are different from savings cards, and even if there is extra money in the account, it will not generate interest. On the other hand, if you want to get the "overpayment" back from your credit card, you may still incur certain expenses (different banks have different policies).