How to set up automatic repayment for CCB credit card

If a CCB credit card holder needs to apply for automatic repayment, he/she must first hold a CCB savings card and bind it to the credit card as an agreed repayment account. The bank will automatically deduct the corresponding amount from the account before the due repayment date and refund its unpaid bills.

There are several ways to set up automatic credit card repayment of CCB:

1. Find a salesman at the counter of CCB. Just provide the clerk with a savings card, credit card and personal ID card.

2, through the CCB credit card online banking. Log in to personal online banking, enter a credit card account, and click Repayment Management → Automatic Repayment Settings. Follow the guide to bind the credit card.

3. Call CCB Credit Card Customer Service. Call the credit card service hotline, verify your identity, press 3 to enter "card opening and password, bill sending method, automatic repayment setting", and then press 5 to enter "automatic repayment setting".

Operating environment: Huawei nova7JEF-AN

How long does it take to issue the credit card of China Construction Bank

1. After submitting the credit card application materials to CCB, it usually takes 5-8 days to see that the applicant's information has been entered into the progress inquiry, but it may take longer if it is through the mailing card center;

2. After the date is entered, the query results can be found in about 7-15 working days. During this period, if the credit card can be successfully passed, a text message will be sent to the mobile phone number left by the applicant;

3. The credit card sent by China Construction Bank to the billing address by registered mail can be received within 7 to 1 days from the date of approval of the credit card. If successful, you will receive the card 22 days after submitting the application.

the applicant will be informed of the success of the application in a short time. If the card is issued successfully, you need to activate your credit card to use it. The usual activation methods are:

1. Online banking: Online silver shield customers can directly log in to CCB's online banking, select the "Credit Card-Credit Card Activation" menu, open the card and set the password.

2. outlets: bring your valid ID card and credit card to any outlet of CCB to open the card and set the password.

3. Customer service hotline: dial the customer service hotline with the mobile phone number reserved by the bank, and select the "Card Opening Password Service" menu according to the prompts.

how to repay the credit card of CCB?

customers can apply for credit card repayment of CCB in the following ways: 1. Log in to mobile banking and follow the prompts through the menu of "Credit card-card service-my account-repayment for myself". The repayment amount can be selected from Repayment in Current Period, Minimum Repayment or Enter Repayment Amount. Tips: If you purchase foreign exchange for repayment, please do it before 22 o'clock every day. 2. Pay attention to and enter China Construction Bank WeChat WeChat official account. After binding the credit card, enter "Repayment" in WeChat official account dialogue mode to get the link, and follow the prompts.

(in case of business changes, please take the actual situation as the standard. )

How to open automatic repayment on CCB's credit card

Select to open the China Construction Bank APP on your mobile phone,

Go to the homepage of CCB's mobile banking APP, open the credit card option,

Go to the credit card page, and open the agreed repayment option, as shown in the following figure.

on the agreed repayment setting page, after selecting the currency, click Set Now

to enter the agreed repayment setting page, select the repayment account and repayment proportion, and then click Next.

On the agreed repayment setting confirmation page, enter the SMS verification code and click OK to set the agreed repayment operation successfully.

Extended information:

Under what circumstances will automatic credit card repayment fail?

1. The balance of the savings card is insufficient

If the cardholder chooses to repay in full, the bank will deduct as much as the current bill is; If the cardholder chooses to repay according to the minimum repayment amount, then the bank will deduct the minimum repayment amount.

The key to automatic credit card repayment is that the balance in your savings card must be sufficient. Once your repayment amount exceeds the balance of your account, there is no money to deduct or the money in your card is not enough, it will also lead to overdue.

Therefore, friends who set up automatic repayment must always pay attention to the balance of the bound savings card in case the balance is insufficient!

2. There is a limit for inter-bank automatic repayment

Many times, the cardholder's credit card issuing bank and the savings card issuing bank are not the same bank, and opening the automatic repayment function involves the "inter-bank automatic repayment" business. So far, many banks' credit cards can be repaid automatically across banks, but there is a transaction limit for cross-bank repayment.

generally speaking, credit card issuers will not set a maximum repayment amount for debit cards tied to their own banks, but there are restrictions on the maximum single repayment amount for debit cards tied to other banks. Once the cardholder's repayment amount is higher than this limit, it may lead to repayment failure.

steps of automatic credit card repayment

step 1: confirm whether the credit card is debited

automatic credit card repayment takes a process from debiting to successful repayment. Cardholders who have received the debit notice can directly log on to the online banking to check the repayment status of the credit card. If the repayment is still being processed, they can wait patiently, as long as they can arrive before the final repayment date, there will be no problem.

Step 2: Confirm whether the credit card repayment has arrived:

If the credit card has not arrived when the credit card repayment is successful, you can do this:

1. Cardholders can check whether the credit card limit has been restored through WeChat official account, online banking and other channels. After all, after many banks successfully repay their loans, the arrival time may not be timely, especially when they use debit cards from other banks to repay their credit cards, and the arrival time is usually delayed by 1-2 days. In this case, it is best to call the service hotline of the issuing bank to transfer to the manual customer service to confirm the entry.

2. If the credit card repayment is successful after inquiry, but the amount of money has not been recovered, the biggest possibility is that the network of the bank clearing system is busy, or the internal system of the bank is upgraded. Usually, the bank will issue a notice in official website, and the account can be received after the system is recovered.

how to set up automatic repayment of CCB credit cards?

There are several ways to set up the automatic repayment of credit cards in China Construction Bank:

1. China Construction Bank should find a salesman at the counter. As long as you provide the clerk with a savings card, credit card and personal ID card, you can handle it.

2. handle it through CCB credit card online banking. Log in to personal online banking, enter a credit card account, and click Repayment Management → Automatic Repayment Settings. Press "Guide" to bind the credit card.

3. Call China Construction Bank's credit card customer service number. Call the credit card service hotline to verify your identity, press 3 to enter "card opening and password, bill sending method, automatic repayment setting", and then press 5 to enter "automatic repayment setting". Operating environment: Apple 12iOS14

1. The credit cards issued by China Construction Bank are all named as "Dragon Card". The types of dragon cards that have been publicly issued are: Dragon Card Famous School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Dragon Card, Mango Travel Dragon Card and Dragon Card (Cup). Credit fund loans, residents' savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses. China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many types of credit cards.

2, China Construction Bank, formerly known as People's Construction Bank of China, which was established on October 1, 1954 (later renamed as China Construction Bank on March 26, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national vice-ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension. China Construction Bank has a broad customer base, maintains banking business contacts with many large enterprise groups and leading enterprises in China's economic strategic industries, and its marketing network covers major regions of the country. On June 3th, 216, The Banker magazine published the Ranking of 1 Big Banks in the World, and China Construction Bank ranked second. In February 217, BrandFinance released the list of the top 5 brands in the world in 217, and China Construction Bank ranked 14th. In 218, Fortune Global 5 ranked 31st. In December 218, the Top 5 World Brands in 218 compiled by the World Brand Lab was announced, and China Construction Bank ranked 23rd. In July 219, he was selected as one of the Fortune 5 companies in 219. The "Belt and Road" China Top 1 Enterprises ranked 4th.

3. In December 219, China Construction Bank was selected as one of the top 1 brands in the 219 China Brand Power Ceremony. On December 18th, 219, People's Daily published the China Brand Development Index 1 list, and China Construction Bank ranked 25th. On January 4, 22, he won the evergreen award of 22 Caijing "Sustainable Development Benefit Award". In March 22, it was selected as the 13th among the top 5 global brands in 22.

how to set up automatic credit card repayment

after credit card consumption, sometimes I am too busy at work, forget the repayment time, and finally get a penalty from the bank, which will also affect my credit record, so it is very important to set up automatic credit card repayment. Let's take the credit card of China Construction Bank as an example to find out how to set up automatic repayment of credit cards.

1

To bind the automatic repayment function, the prerequisite is to have a savings card of CCB, which has money in it and is in normal condition, and automatically deduct money from the savings card to repay the credit card at the expiration of each month. Binding automatic deduction is divided into full binding and binding minimum repayment amount. Full deduction means deducting according to the monthly bill settlement amount, and the minimum repayment amount binding means deducting only the minimum repayment amount. This repayment method requires interest, so it is recommended to deduct the full amount. There are several common ways to handle binding.

2

The customer directly brings valid ID and credit card savings card to CCB outlets to handle the automatic binding service manually. This method is suitable for customers with CCB outlets nearby.

3

Call the customer service phone of CCB Credit Card directly and ask the customer service staff to help bind it. After calling customer service, you need to check your personal information, and then you need to provide the savings card to be bound, and tell the staff whether to bind it in full or only the minimum repayment amount.

4

directly handle the binding through online banking or mobile banking of CCB. This requires opening online banking or mobile banking first, and adding a credit card. When choosing a credit card, there is a credit card management, in which there is an agreed repayment. Click in and enter the information as required.

How to set up automatic repayment for credit cards of CCB

The method of automatic repayment for bank cards is very simple. We need to open online banking for credit cards and bank cards. Then directly handle the credit card and bank card binding business at the counter. This method is the simplest, and then your bank card will automatically repay when it reaches the repayment period every month.

we download an app from a mobile banking directly, and the specific download of the app from that bank depends on the credit card you use.

then we find our credit card and bank card information in the app. Then check the amount that should be repaid, and finally use the bank app to transfer money directly. By the way, the premise is to open online banking. Don't forget to open online banking and mobile banking respectively.

In the same way, before the credit card repayment date of each month, we can turn on the computer, then log in to the online bank and directly transfer money to the credit card online.

credit card repayment.

about credit card repayment, the similarities and differences between the credit card transaction date and the entry date

transaction date: literally, it refers to the date when the cardholder actually spends, deposits and withdraws cash, transfers money or actually makes transactions with relevant institutions.

posting date: refers to the date when the card issuer posts the transaction money to the cardholder's credit card account or posts the fees and interests to his credit card account according to regulations.

sometimes the trading date and the posting date are the same day, sometimes they are not, especially in consumption abroad, where the difference between them may be more than one day.

At this point, many old drivers who robbed consumption abroad to cash back must have a deep understanding, and many of them were defeated because they couldn't understand the law of the difference between these two dates.

It's not that everyone is inexperienced. It's just that the posting date of each bank is different, even the same bank is not the same every month. This rule is really hard to touch.

In fact, not only overseas activities, but also many banks like to calculate their activities based on the entry date. You may wish to pay attention to the detailed descriptions of various activities to avoid accidentally falling into the pit.

About overdue credit cards

Speaking of overdue topics, let's explain some terms first.

billing date means that the card-issuing bank will regularly summarize and settle all transactions and expenses in your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you (paper bills are almost extinct now, basically text messages and emails). This date is the billing statement of your credit card.

repayment date: for non-cash credit card transactions, the date from the bank bookkeeping date to the due repayment date is the interest-free repayment date, and the last interest-free day is the last repayment date written on the bill.

the minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is listed on the current bill.

minimum repayment amount = 1% of the outstanding consumption amount within the credit line (5% in some banks), 1% of the cash advance transaction amount, and 1% of the outstanding part of the minimum repayment amount in the previous period exceeds 1% of the expenses and interest of the credit line consumption amount.

in a word, just look at the item on the bill about the minimum repayment amount.

well, with the above noun explanation, this overdue is easy to explain.

if the minimum repayment amount is not paid after the last repayment date, even if it is overdue, it may be recorded in the letter.

The reason why it is possible to be published in the newspaper is that many banks have set aside a little allowance. The technical term is tolerance, which is regarded as mercy outside the law.

Tolerance is the collective name of "tolerance service" and "tolerance service" of bank credit cards.

"tolerance service" means that if the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it shall be regarded as the cardholder's full repayment, and this unpaid part will be automatically transferred to the next bill, and the unpaid part will not be subject to interest.

"time-tolerant service" means to provide cardholders with a certain period of grace period service for repayment, and the grace period for repayment is within a few days from the due repayment date; When the cardholder repays within the repayment grace period, it shall be deemed that the cardholder repays on time.

the repayment date of general banks is 2 days after the bill date, and some banks are 25 days after the bill date; Generally, the holding time is 2 or 3 days (note that the holding time of ICBC is days); Generally, the tolerance is within 1 yuan, and only China Everbright Bank can allow it to be within 1 yuan.

In addition, time tolerance services of China Guangfa Bank, China Everbright Bank and Shanghai Pudong Development Bank are required.