(a) to the bank counter for repayment. After receiving the credit card bill, the cardholder carries cash to the counter of the issuing bank for repayment. The cardholder only needs to inform the staff that he wants to handle the credit card repayment business.
(ATM repayment. The cardholder can find the ATM of the issuing bank and deposit the cash into the credit card account for repayment.
(3) Repayment through online banking. The cardholder logs into the online bank and transfers the repayment amount from the savings card to the credit card account. If the cardholder makes peer transfer, there is no need to pay the transfer fee; If the cardholder transfers money across banks, he needs to pay the corresponding handling fee to the bank.
(3) Repay through the mobile banking APP. The cardholder opens the mobile phone APP of the issuing bank, enters the credit card repayment interface, and completes the credit card repayment according to the interface prompts.
(4) automatic repayment. The cardholder can open the automatic repayment service in the bank, bind the savings card with the credit card and set the automatic repayment date (which must be before the final repayment date of the credit card). As long as there is enough money in the cardholder's savings card, the bank will automatically deduct money from the savings card and pay back the credit card bill.
(5) Repayment through payment software. Whether it is Alipay or WeChat, as long as the cardholder binds the credit card in the payment software, the credit card can be repaid through the payment software.
It should be noted that there is a free limit for payment software. If the repayment amount exceeds the free limit, the cardholder needs to pay the corresponding handling fee according to the excess.
How to return the credit card?
You can apply for credit card repayment through the following channels:
1. Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Repayment" on the homepage to repay your own ABC credit card or someone else's ABC credit card; Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of credit card arrears of ABC.
2. Online Banking: Please log in to personal online banking and click "Credit Card → Repayment → One-click Repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.
Credit card repayment process
1. Credit card can be repaid after consumption, and can be paid off before the repayment date. The billing date and repayment date of major banks are different. The repayment date of general credit cards is between 15 and 25 days after the bill date.
2. The credit card is billed first, and then not billed. Credit card bills are repaid in the order of interest, handling fee, other expenses, cash, installment consumption and general consumption.
3. There are many repayment methods for credit cards. The common repayment methods are: branch repayment, ATM repayment, online banking repayment, mobile banking repayment and third-party software repayment.
How to return the credit card?
Credit cards can be issued in banks, micro-bank POS mobile phones, transfer/remittance repayment or online repayment.
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Precautions:
1. The target customers of bank credit cards are high-end income groups. As can be seen from the above characteristics, credit cards are more convenient than saving money. Not only do you have to pay an annual fee to use a credit card, but once you miss the repayment time, the penalty interest is very high.
2. Students and others who have no economic income should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up the use of credit cards and go through the formalities of card withdrawal in time. Otherwise, the expenditure of credit cards and the interest and late payment fees generated in the later period will lead to personal economic losses and credit reduction, which will affect mortgage and car loans.
How to return the credit card
Credit card repayment method:
1, counter repayment. Take the repayment funds to the bank counter to repay.
2. Self-service deposit and withdrawal machine repayment. You can repay the loan by depositing funds into the repayment account.
3. The repayment account will automatically deduct the repayment.
I. Precautions for the use of credit cards:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.
5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.
If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.
Second, the reasons for the rejection of the credit card application:
1, personal credit is not clean.
It is normal for a person with a bad credit record to be refused a card. Before handling, be sure to check your credit report for the past year.
2, the basic conditions are not up to standard
Minors or unstable jobs make banks feel unable to repay.
3. There is something wrong with the application materials.
On the one hand, to apply for a credit card, you need to prepare complete information, from personal basic information to financial proof. If the applicant provides detailed application materials and can effectively verify them, the possibility of credit card approval will be greatly improved. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number and card address in the application form are all extra points for applying for a credit card, so don't ignore them easily!
4. The average comprehensive credit score is low.
It may be because one factor in personal qualifications is not up to standard, which leads to the comprehensive score not meeting the requirements stipulated by the bank. So in daily life, we should pay attention to all aspects.
This is the end of the introduction on how to get credit card repayment and how to get credit card repayment without handling fee. I wonder if you have found the information you need?