Are the handling fees for Alipay and WeChat credit card repayments the same? It doesn’t save much money

Nowadays, Alipay and WeChat no longer provide free credit card repayment services to users. If you want to repay, you must charge a handling fee. Many cardholders see that WeChat and Alipay credit card repayments are charged according to the standard, and think that the two fees are the same, but is this really the case? Let’s do the math together.

In fact, they are not the same. Although both credit card repayment fees are charged according to the standard, the actual repayment fees are different. The difference is that Alipay has a free repayment limit of 2,000 yuan per month. , only the excess amount will be charged a handling fee; and WeChat will charge a repayment handling fee as long as you use the 20,000 free quota.

For example, if you want to repay a credit card worth RMB 2,100 this month,

if you repay the credit card through WeChat, the repayment fee will be RMB 2,100

The repayment fee charged for repaying a credit card through Alipay is (2100-2000) yuan

From such a comparison, it is obvious that repaying a credit card through Alipay is cheaper than repaying via WeChat. If it were everyone, they would definitely abandon WeChat and switch to Alipay.

Not to mention that Alipay can also use Ant member points to redeem free credits. Public members can redeem at a ratio of 1:1, gold members can redeem at a ratio of , platinum members can redeem at a ratio of 1:3, and diamond members can redeem at a ratio of 1:3. Exchange at a ratio of 1:3.

But if you had to choose, you would give up on both. After all, when repayment functions such as bank apps do not charge fees, Alipay and WeChat credit cards still cost money no matter how discounted the handling fee is. , if you want to repay your credit card for free, you might as well use the APP introduced in the article "Apps that can repay credit cards for free in 2019, these are fast."

Are there any fees for Alipay credit card repayments?

Currently, there are no fees for repaying your own credit cards through your Alipay account;

The specific operation process is as follows:

1. Log in to your Alipay account (/"target="_blank"), click Application Center—Credit Card Repayment—Repay Now;

2. Fill in the repayment information and click Submit Repayment Apply;

3. Go to the cashier to pay;

4. The repayment application has been submitted successfully and is waiting for bank processing;

What is the procedure for repaying credit cards via WeChat and Alipay? The fee is high? You will know better with Bibi!

Alipay issued an announcement to adjust the credit card repayment fee, which made many cardholders cry out that starting from March 26, Alipay will not be able to afford it. Like WeChat, credit card repayments are subject to handling fees. This free repayment cake will be gone from us. Some cardholders will ask whether WeChat or Alipay has higher handling fees for credit card repayments. Let’s compare it. .

From the announcement issued by Alipay, we can see that Alipay’s handling fee for credit card repayment is the same as that of credit card, which is one thousandth. On the surface, it seems to be similar, but Alipay is actually much more cost-effective. .

This is because Alipay has a basic free limit of 2,000 yuan per month for credit card repayments. Only if the monthly repayment amount exceeds 2,000 yuan will the service fee be charged according to this standard. And we all know that WeChat credit card repayments will be charged according to this standard. The handling fee is calculated based on the repayment amount.

For example: For example, if you want to repay a credit card of 3,000 yuan that month,

A handling fee will be charged for repayment through Alipay: ( 3000-2000) yuan;

The handling fee to be charged for repayment through WeChat is: 3,000 yuan.

Comparing the two, it is obvious that Alipay is more cost-effective than WeChat credit card payment. 2 yuan less.

Of course, these 2 yuan may only buy a bottle of Yibao mineral water, not even a package of soft white sand, but if the repayment amount is larger, this middle price In addition, in addition to lower handling fees than WeChat, Alipay users can also use points to redeem free credits, which is something WeChat cannot do.

The above is the relevant introduction to "Which one has the higher handling fee for credit card payments between WeChat and Alipay?" Judging from the handling fees charged by WeChat and Alipay for credit card payments, the eternal free model does not exist in any industry. Although there may be charges, the level of charges is also an important condition for user choice.

This is the end of the introduction about whether WeChat Alipay still charges credit card and how much does WeChat Alipay charge by credit card? Did you find the information you need?