How to repay with credit card

Credit card repayment method:

1. Repay over the counter. Take the repayment funds to the bank counter for repayment.

2. Repay at self-service deposit and withdrawal machines. You can repay the money by depositing the funds into the repayment account.

3. The repayment account will be automatically deducted for repayment.

1. Things to note when using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you raise your credit limit

Generally, the annual fee can be waived if you swipe your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.

5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.

2. Reasons for rejection of credit card application:

1. Unclear personal credit report

It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.

2. The basic conditions are not up to standard

You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.

3. There are problems with the application materials

On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!

4. The overall credit score is low and average

Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.

There are several ways to repay credit cards and how to operate them

There are four ways to repay credit cards. The detailed steps are as follows:

1. Bundled debit card repayment

The bundled savings card means that when you apply for a credit card, it is bound to the bank's savings card. Most cardholders use it as a salary card. Then the last repayment date of the credit card is after the salary punch-in date, then the bank will automatically deduct the amount when the repayment comes. There is no need to remember the time. You only need to ensure that there is enough money in the debit card, and it also saves the money. Most of the time.

2. Online transfer through online banking

When using a credit card, you can open the online banking of the card-issuing bank, so you don’t have to worry about not being able to find the bank and not being able to pay. Just turn on your computer and log in to online banking, enter your password, and complete the repayment easily with a few clicks of the mouse, without paying any handling fees.

3. Third-party repayment

Most customers who choose third-party payment are inconvenient to repay their credit cards and do not want to go to banks from home to home, so they can download a repayment app for their mobile phones. With the payment software, you can complete the repayment business for free with just a swipe of your mobile phone. At present, there are Alipay wallets, as well as mobile life such as China Merchants Bank, or WeChat, now launched on mobile phones, which can also repay credit cards online.

4. Lakala Repayment

Customers who choose Lakala must be in a small number of banks and cannot find any bank branch option. For example, Citibank. There are only two banks in Beijing, and this is where Lakala comes in handy.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank.

Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Credit card online repayment is one of the main repayment methods for credit card repayments at the bank where the account is opened. Online repayment has become a common repayment method for the majority of credit card users.

1. For the payee account name, fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

How to repay by credit card

The methods of repaying by credit card are:

1. Repay by depositing at an outlet:

Card holders can Bring cash and credit card to the business outlet of the card-issuing bank, submit a repayment application to the staff, and then with their help, deposit the current balance into the credit card to complete the repayment.

2. Automatic repayment by binding a card:

Card holders can bind their credit card to a savings card of the same company, and then deposit it into the savings card before the repayment date of each period. For some cash, just wait for the bank to automatically deduct the money.

3. Online banking transfer and repayment:

Cardholders can log in to the official website of the card issuer, then find the entrance to the credit card center, log in to their personal credit card online banking account, and repay on time in the corresponding repayment option. Just pay.

4. Third-party platform repayment:

Cardholders can repay their credit cards on third-party platforms such as WeChat, Alipay, and UnionPay QuickPass and follow the prompts.