1. How to repay bank credit card?

1. Over-the-counter deposits: cash deposits can be made at the counter, or transfer deposits can be made using bank debit cards or passbooks;

2. Deposits at all-in-one deposit and withdrawal machines: you can make deposits at Cash deposits can be made at the bank's integrated deposit and withdrawal machines, or transfer deposits can be made using debit cards. Even if you forget to bring the credit card you need to deposit with when making a deposit, you can complete the repayment by simply entering the card number through the "Deposit without Card" option.

3. Transfer and deposit via ATM: You can use a debit card or credit card to transfer and deposit to a credit card at a bank ATM. Even if you forget to bring the credit card you need to deposit with when repaying, you can complete the repayment by just entering the card number of the deposit card.

4. Online bank transfer repayment: You can log in to online banking and use debit card or Great Wall credit card to make repayment; if you do not have a Bank of China debit card or Great Wall card, you can also use our bank The "inter-bank payment" function of online banking allows you to use other banks' debit cards to repay Bank of China credit cards.

5. Telephone banking transfer repayment: You can call the bank customer service number and use a debit card or credit card to transfer repayment to the outstanding credit card account.

2. Can I apply for a loan if my credit card is overdue?

Whether you can apply for a loan with a credit card still needs to look at the specific circumstances of the overdue credit card. Under normal circumstances, lending banks have restrictions on overdue loans, requiring that they cannot be twice overdue in the past three months, three times within the past six months, and four times within a year.

1. If your credit card is overdue only once or twice

In this case, you can apply for a loan from the bank. Banks generally will not refuse loans, but may increase loan interest rates appropriately. However, some cardholders have had their credit cards overdue twice within a year. In the end, they paid off their debts, but their loan applications were not approved.

In fact, this is also related to the specific loan business. Some unsecured loans attach great importance to the borrower's personal credit record. If the borrower is overdue twice within a year, he will not be eligible to apply. However, some credit card overdue requirements are very relaxed. As long as the overdue credit card does not exceed 90 days, it does not matter if it is overdue three times in a year. Regarding applying for a mortgage, not only the borrower, but also the credit record of his or her spouse must meet the requirements.

2. A credit card is overdue six times in two years or three times in a row.

A credit card is overdue six times in total. It means that the credit card is overdue after being returned and then overdue again, which occurs six times in total. Three consecutive overdue payments refer to three consecutive missed payments within the repayment period.

If you are overdue for a total of six times within two years or three times in a row, you will be regarded by the bank as having a bad credit record. It is usually difficult to gain the trust of the bank, and it is very likely that you will be rejected for a loan.

3. The credit card is overdue for more than 90 days

A credit card that is overdue for 90 days also means that it has been blacklisted by the bank, so it will be difficult or basically impossible to get another loan. .

There are many ways to repay credit cards. You can not only go to the bank business hall, but also go to the bank's self-service deposit machine. Cardholders can choose according to their own circumstances, but cardholders must If you repay before the limited repayment date, once the repayment date is exceeded, it will be considered overdue, and a bad overdue record will be left on your personal credit.