What should I do if I repay the wrong card for credit card payment?

If I repay the wrong card for credit card repayment, if it is the cardholder’s own card, the cardholder can withdraw the money and re-deposit it. Enter the credit card that should be paid off. If it is not the user's own card, you need to contact the other party immediately and ask the other party to refund the money. After the refund is made, it will be re-deposited into the credit card that should be repaid. However, it will take some time for the other party to refund the money, so if the user has extra money, he can pay it back first. to avoid exceeding the repayment period, resulting in late repayment and affecting personal credit.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

In-bank repayment

This repayment method mainly includes: card issuance Bank counter, ATM, online banking, automatic transfer, 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.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is 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.

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.

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.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.

Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Intelligent repayment

The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc.

If I make a wrong payment on my credit card, can I get my money back?

After making a wrong payment on my credit card, I can get my money back. If a credit card user mistakenly transfers the money to someone else's credit card during repayment, he or she can wait for the other party to refund the money or appeal to the bank. If the credit card payment is made, it will be transferred to your other credit cards. Users can withdraw it in cash and then repay it.

In the above two situations, if you want to return it to your own account. Credit cards must go through the process of withdrawing cash. When withdrawing cash with a credit card, whether it is an overflow deposit or the limit of the credit card itself, you need to pay a handling fee. Under normal circumstances, 1-2 of the cash withdrawal amount is charged. This requires special attention from users.

How to calculate the credit card repayment date:

The billing date is the day when your consumption generates a bill.

For example, if your bill date is the 4th of each month, then your consumption amount after the 4th of each month (excluding the 4th, which is after the 5th) will be billed on the 4th of the next month, and you will have to wait until the 4th of the next month. The next 20 days (usually 20 days) is your final repayment date. That would be the 23rd, 24th or 25th. Because the number of days in each month is different, it will appear on your credit card statement on roughly those days. If you consume before the 4th of each month (including the 4th), a bill will be generated on the 4th of this month, and your final repayment date will be on the 23rd or 24th of this month.

Credit card repayment methods:

1. ATM machine repayment

When making credit card repayments, users can repay at the bank's ATM machine. The specific operation method is similar to that of debit card deposit. The user inserts the card, enters the password, and puts in cash to complete the repayment.

2. Online banking repayment

Users can repay through the credit card bank or the online banking of other banks. The operation method is similar to online banking transfer, which is more convenient.

3. Third-party platform repayment

Users can use third-party payment platforms such as WeChat and Alipay to repay, which is also very convenient. However, during the repayment process, you must remember your repayment date.

What should I do if I make a wrong payment on my credit card? Can I withdraw?

Whether I can withdraw if I make a wrong payment on my credit card depends on the specific circumstances.

1. If you return the money you want to repay to your other types of credit cards, you can directly withdraw the wrong money and then make the correct repayment. Certain procedures will only occur with cash. fee. If the repayment is refunded to someone else's credit card, you need to communicate with the other party to see if the other party is willing to return the money to you, because once the repayment is successful, the system will not automatically refund the money. If the other party is unwilling to refund or the contact fails, , which means your money cannot be refunded.

2. If you find that the payment is wrong, you can call the relevant bank customer service number after returning the credit card and ask them to help check whether the repayment is successful. If the system is still reviewing whether the evidence can be provided, the funds will be temporarily frozen and the final refund will be made. , if the repayment has been made to someone else’s account, you can ask the customer to help contact the other party to discuss refund matters. If the mistake is only a small amount of money, you don't need to take these steps and treat it as a buying experience.

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Credit card application strategy:

1. Start with the limit. Because having a big card with a good repayment record will help you apply for credit card lines from other banks in the future. And your first card cost 3,000 yuan, and subsequent extensions, except for a few banks, will most likely be within 10,000 yuan, seriously lowering your credit limit. If it is not an agency or if you have a social security card, the rate is not high and the limit is also low. There is still a gap between 10,000 and 10,000. There is a difference between the four major banks with running accounts. You can easily lose 10,000 cards without any transactions. There are not many commercial banks. For women with less than 5,000 cards, which bank is the first choice, but it is not necessarily a white account. It depends on the bank policy at the time. Consulting local cardholders is the best choice, but be careful. (This depends on the bank policy at the time. Consulting local cardholders is the best option, but be careful.) If you are patient enough, after the pre-approval of the four major banks, you will realize your first big card. Card.

2. Start with equity. The changes in comparative value equity need to be judged according to the situation. We can first look at the value of bank points to classify. Those with higher value include Ping An, China Merchants, Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Hua Xia, Postal Savings Bank, and Agricultural Bank of China; those with little value include CITIC, Everbright, Minsheng, Industrial, Shanghai Pudong Development, and Guangfa (I dare not use them). Don’t underestimate the power of points. For example, 25,000 points for the special privileges of the main card in the construction industry can be exchanged for hundreds of gas cards. Then the cost of swiping the card only costs 50 yuan. In fact, it can be even lower. For cards with a balance of 100,000 or more, there is almost no handling fee every month. Whether you like it or not.

That’s it for the introduction of what to do if you pay back the wrong credit card.