If your credit card is bound to automatic repayment, there will be no handling fee when you use your bank card to repay. If you pay a credit card via inter-bank transfer, a handling fee will be charged. The handling fee is calculated as 1% of the cash advance amount, and the minimum fee is 10 yuan per transaction.

The following are several ways to pay off credit card fees without fees:

The first is to pay cash at the bank counter. This is the most direct method. The disadvantage is that you have to go to the credit card bank before the repayment date.

The second option is to pay at the bank’s credit card repayment self-service terminal. If there are many people in the bank, you can go to the credit card repayment self-service terminal to pay the bill yourself without waiting. But sometimes the arrival is delayed by a day or two.

The third option is to bind the debit card of your peers and automatically repay the loan. This method is better, just go to the bank to open the card and then bind it. As long as there is enough money in the debit card, you don't have to worry about the time and amount of repayment, the bank will transfer it on its own. There will be no handling fee for those traveling with you.

The fourth option is online repayment. Online repayment methods such as Alipay and UnionPay Online are now popular. There are many banks that allow online repayment of credit cards with no handling fees. Everyone should check clearly whether the bank where their credit card is located is among those that do not charge handling fees.

The fifth type is Lakala in the supermarket. In supermarkets near the community, there is usually "Lakala", which is also a good way to repay the loan. Using this machine, you can directly swipe your debit card to repay. You don't need to go to the bank, you can handle it near your home. However, before repaying, you should read the instructions on the machine and see if the bank that issued your credit card is free of charge.

About credit card repayment, the similarities and differences between the credit card transaction date and the credit date

Transaction date: literally means the cardholder’s actual consumption, cash deposits and withdrawals, transfer transactions or The date on which the transaction actually occurred with the relevant institution.

Accounting date: refers to the date when the card issuer credits the transaction amount to the cardholder's credit card account after the transaction occurs or charges, interest, etc. to the cardholder's credit card account in accordance with regulations.

Sometimes the transaction date and the account entry date are the same day, and sometimes they are not. Especially when purchasing overseas, the difference between the two may be more than just one day.