Credit card repayment method:

1. Repayment by credit card with automatic deduction from repayment account. On the repayment date, the credit card will deduct the corresponding amount from your bound repayment account, but make sure that the repayment account has enough funds.

2. Credit card repays through the bank counter. Take your credit card, ID card and repayment funds to the bank outlets for repayment.

3. Credit card repays by ATM transfer. Directly deposit the repayment funds into the credit card for repayment. In addition to the above-mentioned traditional repayment methods, you can also make repayment through online banking, mobile banking app and UnionPay China UnionPay Express app.

1, after credit card consumption is divided into stages, if each stage is repaid on time, the debt ratio is not high, and the user's mortgage approval will not be affected. After the installment, the user has overdue records, and the existing liabilities exceed the personal debt ratio by 50%. At this time, it will directly affect the results of mortgage review, because banks have great risks in lending to users.

After the user's credit card completes the consumption installment, it is necessary to ensure that each installment can be repaid on time, so as not to affect the application for other loans.

2. Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. Generally speaking, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; According to the different issuing banks, it is divided into personal cards and unit cards; According to different currencies, accounts are divided into RMB cards, credit cards and dual-currency cards.

3. According to the credit status of the cardholder, it can be divided into ordinary card and gold card.

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

(2) 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.

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How to pay back the credit card every month?

1. Credit card monthly repayment can be made directly through bank credit card official website, credit card APP, official WeChat, etc. according to the bill amount before the repayment date. If you can't repay in full at the time of repayment, you can also choose to repay by installments or the minimum repayment amount.

2. Credit card repayment can also be made through formal third-party channels, such as Alipay, WeChat, QQ, and China UnionPay. Pay attention to timely repayment every month, and don't miss the repayment date, otherwise the credit card will be overdue and will bear overdue penalty interest, which will affect the credit information.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. 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 limit.

The role of credit cards:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Credit card withdrawal methods are:

1. Cash withdrawal at the counter:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the cash withdrawal password with their help to withdraw cash.

2. Cash withdrawal by tying the card:

The cardholder can bind the credit card with a peer savings card in the online banking of the credit card, then transfer the credit line to the savings card, and then use the savings card for consumption, which is also called cash withdrawal.

3.ATM withdrawal:

Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

How does the credit card pay back the money?

Credit card repayment methods include bank counter repayment, ATM repayment, online banking repayment, Alipay repayment and WeChat repayment.

1. Repayment at the bank counter: go to the counter of the credit card issuing bank to repay manually, and just tell the teller to repay the credit card. Cash needs to be prepared in advance.

2.ATM repayment: to deposit money at the ATM of the credit card issuing bank, you need to prepare cash in advance.

3. Online banking repayment: find a savings card with rich balance and online banking, transfer the money to a credit card account, and the peer or bank will repay the money.

4. Binding Savings Card Repayment: Generally, when applying for a credit card, the bank staff will ask whether to apply for a peer's savings card, bind the savings card to the credit card, and set the debit date (set before the credit card repayment date). As long as the savings card has sufficient funds, the bank will automatically withdraw money from the savings card every month to repay the credit card, without worrying about the overdue credit card.

5, mobile app repayment: Each bank has its own mobile app, open the APP to enter the credit card repayment interface, and operate repayment.

How to return the credit card

(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

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.

How to return the credit card of China Bank?

At present, there are many ways for our bank to handle credit card repayment: you can take the initiative to repay through our counter, ATM, online banking transfer, "China Bank Credit Card" WeChat official account, colorful life APP and other channels; Or self-service repayment through third-party channels such as inter-bank transfer and Alipay; You can also apply for automatic repayment if you hold our debit card, Great Wall credit card or current all-in-one card.

The above contents are for your reference. Please refer to the actual business regulations.

So much for the introduction of how to pay back the money by credit card.