After the credit card is cashed out, you can deposit or transfer money through ATM. Of course, you can also repay credit cards through third-party platforms such as WeChat or Alipay. However, it should be noted that credit card withdrawal is not interest-free, and the bank will calculate the interest at five ten thousandths, so the interest will be returned together when the repayment is due.
Credit card repayment method:
1. repayment at the bank counter: go to the bank counter and give your credit card and cash to the teller and explain to him that you want to return the credit card. The teller will handle it for you.
Advantages: It doesn't need too many operations, as long as you can find the issuing bank, you can get the account immediately.
Disadvantages: Tired of running around, if the issuing bank is far away from you, it is very hard every month.
2. Automatic deposit machine repayment: The bank is closed and your credit card has not been returned. What should I do? Go to an automatic deposit machine where you can deposit money, insert your credit card into the deposit machine, click Deposit, put your money in the bill entrance, and pay back according to the prompts.
Advantages: Even if the bank is closed, it can still repay the loan and open 24 hours a day. Received immediately.
Disadvantages: It often happens that RMB is spit out by the deposit machine after being folded. Sometimes it has to be repeated many times. Tired of running, find a card issuer with a deposit machine.
3. Online banking repayment: log in to the online banking of your issuing bank and repay the credit card with a savings card. Cross-industry is certainly possible, but there is a handling fee.
Advantages: Credit card repayment can be made without leaving home. Received immediately.
Disadvantages: complicated operation. There will be a handling fee for cross-bank repayment. Although online banking has introduced many security measures, there are still many friends who don't like to open online banking. Afraid of insecurity.
4. Repayment on the third-party payment platform on the mobile phone: Credit card repayment can also be made through the mobile phone.
Advantages: repayment anytime and anywhere. There are preferential activities from time to time.
Credit card repayment time
The credit card will bill once a month, and the user is not required to repay after the bill is issued, so the credit card will repay once a month. However, in the process of using the credit card, some users will choose to prepay and prepay the amount, so users do not need to repay again. Credit card repayment can choose full repayment, minimum repayment and installment repayment, and different repayment methods have different charging rules.
If you want to use a credit card interest-free, you must choose full repayment. If you have insufficient repayment ability, you can choose the minimum repayment amount or installment repayment.