There is a handling fee for WeChat credit card repayment, and the handling fee is charged at 0.1 of the repayment amount (minimum 0.1 yuan).

There is no free repayment limit on WeChat now. Become a platinum or gold member of Wealth Management and make an appointment to repay your credit card through Wealth Management. It is free of charge.

Extended information:

1. How to repay a credit card through WeChat?

Users only need to bind their own credit cards to repay credit card loans through WeChat, which is very convenient convenient. The following is how to operate the process:

The user logs in to WeChat, clicks Me-Payment-Credit Card Repayment, and then selects the credit card that needs to be repaid in My Credit Cards. Click on the credit card, enter the repayment amount, and click on repay immediately. Under normal circumstances, the payment will be received on the same day. Users who have not added a credit card need to add a credit card before making repayment.

Note that there is a handling fee for repaying a credit card on WeChat, but users do not need to pay a handling fee when using mobile banking to repay a credit card.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 8.0.16

2. Consequences of overdue credit card

1. After the credit card expires, there is an interest-free period, which is probably between 20 days and 50 days. During this period, there is no interest. , but if you haven’t repaid it after this period of time, there will be interest. In addition to paying back the principal, you will also have to pay interest.

2. If you are overdue, your personal credit may be affected. Your information will be uploaded to the central bank’s credit system and you will become a dishonest person. This will affect your ability to take trains, high-speed rails, buy houses or cars in the future. Great impact.

3. Serious overdue payments will be classified as malicious credit card overdrafts, and you will need to bear criminal responsibility and be sentenced, which will cause great trouble to your life.

3. Credit card repayment methods

1. In-bank repayment: The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, and 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.

2. Mobile phone repayment: The mobile phone is a personal payment terminal of the mobile financial system. It can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant credit!

3. Convenience stores: Convenience store repayments are 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.

4. 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.

5. 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.