Credit cards (debit cards) cannot be used to repay loans. The loan itself does not support the use of credit cards (debit cards) for repayment. Credit card (debit card) is a card for credit loan consumption. If you can use a credit card (debit card) to repay the loan, it is actually equivalent to paying the loan in cash. This situation is definitely not allowed.

In addition, if you use a credit card (debit card) to withdraw cash to a savings card to borrow money, there will be problems. Credit card (debit card) withdrawal is cash installment. Banks have clear borrowing purposes for cash installment and can only be used for consumption. If it is found to be used to repay the loan, it is a breach of contract, which is absolutely not allowed by the bank.

Excuse me. Can I pay by credit card?

Credit cards can't be transferred directly, so you can't borrow them directly. However, you can withdraw cash by credit card or by installments. Then deposit the money into the bank card bound by Alipay, and the system will automatically deduct the money or repay it manually, which can be regarded as indirect repayment by credit card.

However, if you are going to do this, I suggest you first think clearly about what you should use to pay back the credit card after paying off the loan with the credit card.

Although the line may be restored after the loan is repaid, it may not be possible to borrow money from it and return the credit card. In addition, this is actually robbing Peter to pay Paul, which can't solve the fundamental problem.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan".

In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure (regularly), deposit 15000 yuan, and it can be released after 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in your computer. Ten thousand deposits can basically lend ten thousand consumer loans to online merchant banks for one month;

Can I borrow a credit card directly? Don't think too simply.

Borrowing money is for credit investigation. In order not to affect personal credit, many people will want to use credit cards to repay when they have no money to repay. Credit cards can usually only be used for daily consumption, so can credit cards be used for direct loans? I can only say here, don't think too simple. You'd better consider the consequences before making a decision.

Can I borrow a credit card directly?

Credit cards can't be transferred directly, so you can't borrow them directly. However, you can withdraw cash by credit card or by installments. Then deposit the money into the bank card bound by Alipay, and the system will automatically deduct the money or repay it manually, which can be regarded as indirect repayment by credit card.

However, if you are going to do this, I suggest you first think clearly about what you should use to pay back the credit card after paying off the loan with the credit card. Although the line may be restored after the loan is repaid, it may not be possible to borrow money from it and return the credit card. In addition, this is actually robbing Peter to pay Paul, which can't solve the fundamental problem.

If you can't borrow money to repay your credit card, the consequences of overdue credit card are far more serious than overdue loan. No matter whether the credit information will be collected or not, there will be an overdue fee. If the amount of credit card arrears is large and overdue for more than 3 months, it will be recognized by the bank as a crime of malicious overdraft of credit cards, and it is likely to be investigated for criminal responsibility.

The above is "Can I borrow my credit card directly?" . In short, credit cards cannot be borrowed directly, and even if they can, it is not recommended to borrow them. You'd better borrow money reasonably within your ability. If you can't afford it, don't rob Peter to pay Paul. See if you can borrow money from relatives and friends, and then try to make money.

Can I borrow my credit card?

Credit cards cannot be repaid directly, but users can repay indirectly. Is to withdraw the money from the credit card first, and then borrow it. The medium needed in the middle is a savings card. Credit card is a kind of credit card, if you can borrow it. Then, it is equivalent to cashing out. And this kind of behavior is absolutely not allowed by banks. Therefore, at present, it is not possible to use the credit card to directly repay the loan service.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

So much for the introduction on how to return the credit card to ants.