The common repayment methods of credit cards in China mainly include the following categories (according to the cost):

1. Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Mobile phone repayment

A mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer.

3. Repayment of convenience stores

Repayment of convenience stores is mainly completed through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

4. Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

6. Counter access

Counter access refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

7. Xinfutong

The "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

8. Repayment Pass

Repayment is made through the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

9. Other methods

In addition to these repayment methods, the issuing bank has also opened their own repayment methods to facilitate the cardholder's repayment.