Is there a handling fee for using WeChat to repay a credit card?

There is a handling fee for credit card repayment through WeChat. 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 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. Being overdue may affect your personal credit. 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. If the overdue payment is serious, it will be classified as a malicious credit card overdraft, and you will need to bear criminal responsibility and be sentenced. This will bring 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. [img]

Does WeChat charge a fee for repaying a credit card?

Yes, ordinary users will be charged when repaying a credit card. Under normal circumstances, each credit card repayment will be charged regardless of the fee. If you use change or bank card, you will be charged a service fee of 0.1% of the repayment amount. The service fee is calculated to 2 decimal places, with a minimum of 0.10 yuan.

1. How to repay without handling fees

Nowadays, using WeChat to repay a credit card requires a handling fee. If the user's repayment amount is relatively large, a considerable amount of fees will be incurred. fee. If you want to repay your credit card for free on WeChat, you can repay your credit card through WeChat WeChat Platinum and Gold members and participate in the "appointment repayment" function. It is free for these two membership levels to repay your credit card.

In addition, if you adhere to the "Aiding Investment Plan" and successfully transfer 500 yuan or more every month, you can also repay it with a credit card for free. But there is another free way to repay credit cards on WeChat, which is to buy monetary funds, and then automatically help you repay the credit card when it is due. You can choose the appropriate repayment method according to your preferences.

At the same time, WeChat credit card repayment also has a part of the free limit, that is, if it does not exceed this limit, the repayment fee can be waived. Normally, our free limit is 2,000 yuan. If Beyond this amount, subsequent repayments will require a handling fee of 0.1% of the repayment amount.

However, the specific handling charges need to be based on the actual charges. When we repay the loan, the interface will generally display it, including the charge and the specific rate.

2. Will credit card repayment affect our credit?

In addition to the general repayment methods, some people also choose to entrust others to repay on their behalf, or make repayments through a credit card repayment APP. of. After the repayment agency or credit card APP helps the cardholder pay off the bill within the specified repayment period, the cardholder needs to withdraw the repayment amount and return the funds to the repayment agency or repayment platform, and only needs to pay A substantial fee or interest.

If credit card repayment is operated normally, it will not have any impact on the credit card. After all, it can ensure that your credit card is repaid within the repayment period, avoid overdue payments, beautify your bills, and also have a consumption record.

However, it should be noted that credit card agents may be considered by banks to be cashing out, and banks will reduce their credit limit or block their cards for users suspected of cashing out.

In addition, if the bank finds that you always use other people or a credit card repayment APP to repay the credit card on your behalf, the bank may also suspect that you do not have sufficient repayment ability. And this will not help you increase your credit card limit.

How much is the handling fee for credit card repayment via WeChat?

There is a handling fee for WeChat credit card repayment, and the handling fee is 1/1000 of the repayment amount.

If you use the change in your WeChat wallet to pay off a credit card, a 0.1% handling fee will be charged, and there is no fee-free limit; if you use Yu'e Bao in Alipay to pay off a credit card, there is a monthly fee-free limit of 2,000 yuan, and any amount exceeding Some charges a 0.1% handling fee, so using Alipay to pay off a credit card is more cost-effective than using WeChat to pay off a credit card.

Extended information:

Alipay provides a free quota of 2,000 yuan per person per month.

In other words, there is still no charge for credit card repayments within 2,000 yuan, and only the excess will be charged a 0.1% service fee.

For example, if you want to repay a credit card of 3,000 yuan through Alipay in a certain month, first deduct the free limit of 2,000 yuan, and the service fee that needs to be paid is 10,000.1% = 1 yuan.

Starting from August 1, 2018, WeChat’s credit card repayment function has been adjusted. Except for WeChat WeChat Platinum and Gold members and users of the "Aiding Investment Plan" who successfully transfer 500 yuan or more per month, they can continue to enjoy free repayment. In other cases, credit card repayments through WeChat will be based on the repayment amount. A handling fee of 0.1% is charged, and the minimum handling fee amount is 0.1 yuan.

Because Alipay has a free limit of 2,000 yuan for credit card repayments, no matter how much you repay, Alipay will be 2 yuan less than WeChat.

China Economic Net-Alipay also charges for repaying credit cards

Is there any handling fee for using WeChat change to repay a credit card?

Is there any handling fee for using WeChat change to repay a credit card? It's free.

WeChat change to credit card will charge a handling fee of 0.1% of each repayment amount, with a minimum charge of 0.1 yuan for each payment. In other words, if you use WeChat change to repay a credit card worth 1,000 yuan, WeChat will charge a handling fee of 1 yuan. The more you pay back, the more you will be charged.

If you want to repay without any charges, you can use various banks’ online banking, mobile banking and credit card APPs to make repayments, which are basically free of charge.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Credit card repayment methods

The methods within the card issuing bank include: card issuing 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.

Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank 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.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, 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.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

Is there any handling fee for paying back the credit card with WeChat change?

There is a handling fee.

Starting from August 1, 2018, WeChat will charge for credit card repayments using WeChat. The charging standard is 0.1% of the repayment amount for each WeChat credit card repayment, and the fee is calculated to the nearest decimal point. 2 people, the minimum charge amount for each credit card repayment is 0.10 yuan.

When using WeChat to repay a credit card, the handling fee and repayment amount will be paid together.

Extended information:

The reasons for WeChat credit card charges

1. WeChat repayment to credit cards will generate payment channel fees, and Tencent Tenpay has been investing The cost is subsidized by handling fees.

2. With the rapid development of credit card repayment business, channel fee costs are also growing rapidly. In order to properly balance costs and sustainable development, Tencent will make adjustments to business rules.

Tencent Customer Service-Instructions on Adjustment of WeChat Credit Card Repayment Business Rules

Is there any handling fee for WeChat credit card repayment?

There is no handling fee for credit card payments on WeChat, and it does not occupy the free quota. Credit card repayment methods are divided into automatic repayment and active repayment. In addition, credit card repayment with Alipay is also free.

Extended information:

Credit card payment without security measures: The basic process of credit card payment without security measures is: consumers order from merchants, and credit card information is sent offline via telephone, fax, etc. The transfer is carried out without security measures, and the merchant and bank use their respective existing authorizations to check the legitimacy of the credit card.

Payment through a third-party broker: The payment is completed through a third party trusted by both parties; credit card information is not transmitted multiple times on the open network, and the buyer may open an account with the third party offline, so the buyer does not have to Risk of credit card information being compromised;

Simple credit card encrypted payment: When paying using the simple encrypted credit card mode, when the credit card information is entered by the buyer into a browser window or other e-commerce device, the credit card information is simply encrypted, which is safe. The location is passed as an encrypted message from buyer to seller over the network.

Reference materials: Baidu Encyclopedia - Credit card payment methods

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