1. Use the delayed repayment service provided by the bank:

If the funds can be repaid only in one or two days, you can use the delayed repayment service of the bank. Banks generally have a delayed repayment service of 1-3 days. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Apply for credit card installment or minimum repayment:

If you don't get a credit card in a short time, you can consider applying for credit card installment or minimum repayment. Although these two methods will pay the bank some interest, they also avoid bad credit records caused by overdue.

1. Credit Card

A credit card is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. The form of credit card is a card with the name of issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified amount.

second, the card issuer

(1) the company card. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

(2) personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

3. Applying for a credit card

1. In most cases, citizens who have full civil capacity (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. The object of applying for a credit card can be divided into units and individuals. The applicant shall be an institution, enterprise, business unit, foreign-funded enterprise and individual industrial and commercial household with independent legal personality in China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

3. generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.