What are the ways to repay credit cards for free? Starting from August 1st, WeChat will require a handling fee to repay credit cards. WeChat is now our daily need, so this will affect some habits to some extent.

1. Alipay

Alipay and WeChat are both payment tools that everyone is accustomed to. Currently, it is free to repay credit cards to yourself or others on Alipay mobile phone; Credit cards are free, but there is a fee for paying back credit cards to others. The standard charge rate is 0.2%, with the minimum being 2 yuan/transaction and the maximum being 25 yuan/transaction.

2. UnionPay “Cloud QuickPass”

The Cloud QuickPass app also supports credit card repayment. Currently, it covers 66 banks, and credit card repayment is free.

3. Card-Issuing Bank APP

The cardholder can repay the credit card through the bank’s official app if he or she applied for the credit card. This can be done in real time and is free of charge. For example, China Merchants Bank credit card holders can repay their credit cards through the "Handheld Life" app.

4. Financial platform APP

Cardholders can repay credit cards through financial platform apps such as JD Finance and Suning.com. Not only is this type of credit card repayment free, but it can also be used across banks. Service functions such as repayment, cross-regional repayment, scheduled repayment, and regular repayment.