The credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and it can also be used to swipe the card, withdraw cash and transfer money. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to repay and swipe the card with overpayment.

In fact, credit cards will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill. The user does not need to repay the refund amount.

Credit card repayment method

In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

Xinfutong Repayment "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 the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

What about the money refunded to the credit card?

The money refunded to the credit card will be used as the overpayment of the credit card. At this time, we should pay attention to whether the refund occurs before or after the bill date. If you spend before the bill date, the refund will offset part of the repayment on the repayment date of the current month; For the consumption after the bill date, the refund will offset the bill generated on the bill date, and this consumption needs to be returned after the sunrise of the next bill.

When returning a refund to a credit card, you can pay attention to the arrival time. Different banks have different rules. Generally, it will arrive in 3 to 15 working days. If the refund has not arrived for a long time, you can call the bank credit card customer service or contact the refund merchant.

Correct use of credit cards

1. Repay on time. Credit card is an overdraft tool provided by banks to cardholders. Using credit card to spend can alleviate the economic pressure of consumers to some extent. However, it should be noted that credit cards are bank credit products and need to be repaid after using them. Cardholders need to keep in mind the repayment date of credit cards. If the user fails to repay the loan within the specified time limit, the cardholder may be overdue, the credit card holder will face bank collection, penalty interest and personal credit will also be affected. So everyone should pay attention to repayment on time.

2. Reasonable use of credit card installment and minimum repayment amount. When the credit card user can't pay off all the debts within the specified time limit, in order to avoid overdue behavior, then the cardholder can choose to apply for credit card installment repayment or minimum repayment. Both repayment methods will generate certain expenses, and you must not abuse the credit card installment or the minimum repayment amount.

It's best not to withdraw cash by credit card. Credit cards are mainly used for overdraft consumption. Banks encourage people to spend by credit card, but they don't recommend withdrawing cash. In order to prevent cash withdrawal, there is a certain cost to withdraw cash by credit card. The bank will charge interest at the daily interest rate of 0.05% from the date of cash withdrawal, and will also charge a certain handling fee according to the cash withdrawal amount. 4. You can enjoy the longest interest-free period by swiping your card after the bill. Many people use credit cards not because of lack of money, but because they want to enjoy interest-free period, points and other benefits of credit cards. If they want to enjoy a longer interest-free period, they can swipe their cards one day after the account date to enjoy the longest interest-free period.

How to spend the money for credit card refund?

Refund the money returned to the credit card can be spent directly in the store, and you can use the POS machine to swipe your card.

Paying by credit card is different, so you need to pay attention to the time when the refund arrives.

After the credit card is refunded, what should I do with the remaining money in the card?

The credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and it can also be used to swipe the card, withdraw cash and transfer money. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to repay and swipe the card with overpayment.

In fact, credit cards will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill. The user does not need to repay the refund amount.

Personal credit report is required for bank loans:

1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;

2. Open China People's Credit Information Center official website (version 3.3.2 of Google Browser), and submit an application for personal credit information record in the personal inquiry column with the mobile phone number matching the registered account number of the ID card. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.

Conditions for applying for bank loan business:

Natural persons aged between 18 and 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank;

6. If the above conditions are met, you can apply for loan business at the local bank.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

(2) proof of permanent residence or valid residence and proof of fixed residence; 3. Proof of marital problems;

4. Bank flow;

5. Proof of income or personal assets; 6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank. Requirements for bank loans:

(1) 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is usually between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.

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