You can apply for a one-time payment.
At present, there are two ways to charge credit card bills: installment and one-time charge. The former is that the bank charges a monthly fee and the principal of each period; The latter is a one-time charge for all phases of the first phase.
In either case, the prepaid handling fee will not be refunded, and the regulations of other institutions are different.
1, China Construction Bank
If the applicant applies for prepayment, the installment business will be terminated for the cardholder after confirmation by CCB, and the installment fee charged will not be refunded; At the same time, the cardholder must pay the remaining principal and all handling fees in one lump sum.
2. China Merchants Bank
The cardholder shall pay off the bill installment business that has been successfully handled in advance. After the application is approved, the cardholder shall pay off the outstanding principal and the remaining "unpaid fees" in one lump sum, and the installment fee received will not be refunded.
3. Shanghai Pudong Development Bank
If the cardholder terminates the successful bill installment business in advance, he must pay the remaining principal and handling fee of each installment in one lump sum; The handling fee paid by the cardholder will not be refunded.
4. Agricultural Bank of China
For the installment business handled after 20 19 10 10/0, the installment fee collected or booked will not be refunded, and the first installment fee that has not been charged will be charged. Prior to this, if the credit card bill is applied for full prepayment in installments, the fees collected or booked will not be refunded, and the unpaid fees will be exempted.
5. China Industrial and Commercial Bank
From 20 18 12 1, one item of "liquidated damages for prepayment by installment" is added, and the charging standard is 3% of the prepayment amount or the agreed price. For businesses that have received the installment fee in full, there is no penalty for prepayment by installment. However, ICBC's charging standard depends on the specific card type when it is implemented.
6. China CITIC Bank
From April 20 1 year 18, the adjusted "bill/single installment" product will be implemented, and the payment standard of liquidated damages for early termination of installment repayment will be implemented. If a one-time handling fee is charged, the received handling fee will not be refunded; If the handling fee is collected in installments, the handling fee will not be refunded, and the remaining unpaid principal will be charged at 3%. However, the remaining unpaid fees will not be charged.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
The advantages of credit cards are as follows:
1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.
5, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card.
6. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.
7. Free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.
9. Use the third-party platform for business cooperation and provide preferential services for cardholders.
How to pay off your credit card quickly
If you want to pay off your credit card quickly, you must first find out how much money you owe, so that you can have a clear repayment plan. Budget expenditure on the basis of the established plan: budget the amount to be repaid and other expenditures, so as to determine the maximum amount of other expenditures.
If you have enough funds, you can pay off your credit card directly and quickly through banks or third-party payment platforms. If you are short of funds, you can borrow money from your relatives to pay back your credit card, and then slowly make money to pay back your relatives.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.
How to return the credit card?
1. Repayment at the bank counter: Go to the counter of the credit card issuing bank and tell the bank teller that it is enough to repay by credit card, and cash needs to be prepared;
2.ATM repayment: sufficient cash needs to be prepared for the deposit operation at the ATM of the credit card issuing bank;
3. Online banking repayment: find a savings card with rich balance and online banking, and make repayment to the credit card account through peer or inter-bank transfer, and the service fee will be deducted from the inter-bank transfer operation;
4. Associated Savings Card Repayment: Generally, when processing a credit card, the bank staff will ask if it is possible to process a colleague's savings card, associate the savings card with the credit card, and set the deduction date. As long as the savings card has enough assets, the bank will automatically withdraw money from the savings card every month to repay the credit card, without worrying about overdue repayment of the credit card.
1. Credit card can be repaid after consumption, and can be paid off before the repayment date. The billing date and repayment date of major banks are different. The repayment date of general credit cards is between 15 and 25 days after the bill date.
2. The credit card is billed first, and then not billed. Credit card bills are repaid in the order of interest, handling fee, other expenses, cash, installment consumption and general consumption.
3. There are many repayment methods for credit cards. The common repayment methods are: branch repayment, ATM repayment, online banking repayment, mobile banking repayment and third-party software repayment.
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How to return the credit card?
Credit card repayment methods are as follows.
1. You can go to the bank counter and repay the money manually.
2. You can also go to the ATM of the credit card issuing bank for repayment.
3. You can also find a savings card with sufficient balance and online banking for online banking repayment.
4. Alipay has a credit card repayment function.
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How to pay off your credit card
First, find out how much money you owe on your credit card!
Many friends only know how to repay their credit cards when they expire, but they don't know how much money they owe. Therefore, if you want to repay your credit card quickly, you must find out how much you owe, so that you can make a repayment plan.
Second, reduce the frequency of using credit cards, or even stop using them.
In daily consumption, credit card is a more convenient transaction method. Although convenient, it also brings some disadvantages. Credit cards are not like real money transactions. People don't feel much about the amount of credit card spending, many a mickle makes a mickle, and they owe more and more debts. So if you want to pay off your credit card as soon as possible, it is urgent to reduce the frequency of using credit cards or even stop using them!
Third, cancel small credit cards and reduce the amount of credit cards held!
Too many credit cards often have an impact on our repayment plan. Therefore, I suggest that you cancel your small credit card and reduce the amount of credit card held!
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
This is the end of the introduction on how to pay off all credit cards and how to pay more money from credit cards. I wonder if you have found the information you need?