Can CCB credit cards be repaid in advance? How can I return it?
Yes. Customers can apply for credit card repayment in the following ways: 1. Log in to mobile banking and follow the prompts through the "Credit Card" menu. 2. Log in to personal online banking and follow the prompts through the menu of "Credit Card-Card Account Transaction-One-click Repayment". 3. Go to the homepage of CCB official website, and go through the menu of "Credit Card-Credit Card Homepage-Service Hall-I want to repay-One-click repayment/repayment for myself" and follow the prompts. At the same time, customers can deposit money in credit cards through ATMs and outlets or transfer money through third-party channels such as inter-bank transfer and Alipay.
(in case of business changes, please take the actual situation as the standard. )
Is it necessary to repay multiple credit cards separately? Learn about one-click repayment
Many cardholders have set up multiple credit cards in the same bank, only knowing that the amount is independent, but it is not clear whether repayment should be made separately, and this mainly depends on how banks stipulate it. Here, taking China Construction Bank as an example, we will introduce the repayment methods of multiple credit cards.
1. Is it necessary to repay multiple credit cards separately?
CCB supports multiple credit cards, but each card account is independent, and bills are issued separately, which usually requires separate repayment.
However, in order to facilitate cardholders' repayment, CCB has set up a one-click repayment function, which can combine multiple credit cards for repayment. Simply put, when you choose one-click repayment, you can repay the debts of multiple credit cards to any credit card under your name at the same time.
2. How can CCB repay multiple credit cards with one click?
friends who want one-click repayment need to pay attention to "China Construction Bank" WeChat official account via WeChat, bind their credit cards in WeChat official account, click "Credit Card-Bill/Repayment/Limit Management" in the menu bar at the bottom, enter the repayment link and log in, and then select "One-click Repayment" for processing.
It should be noted that the one-click repayment of multiple credit cards of CCB is to offset all the debts due from the selected credit card first, and then the remaining funds will be transferred to other credit cards for repayment through the version of mobile banking "Credit Card-Cash Transfer".
if the repayment amount is only enough to offset the debt of the selected credit card, then other credit cards can't make repayment, and each card needs to be repaid separately.
The above is the introduction of "Do you want to repay multiple credit cards separately?" I hope it will help you. If you are still unclear about CCB's credit card repayment, it is suggested to call CCB's credit card service hotline and transfer it to manual customer service for help.
how to repay the credit card of China Construction Bank
1. Introduction of credit card repayment channels of China Construction Bank. China Construction Bank provides seven repayment methods, such as counter, agreed account, ATM, online and 95533, which you can choose according to your needs. If you have more than one master card at the same time, please pay attention to the corresponding repayment when repaying. In order to ensure the success of repayment, you must deposit in full every time you repay. You can make repayment in cash or by transfer at the counter of China Construction Bank. If you return dollars or euros, you can purchase foreign exchange directly at the counter for repayment. Agreed account repayment means automatic repayment. Credit card RMB payable can be repaid by RMB agreed account (the agreed account must be a debit card, current passbook account or quasi-credit card account opened by you in the local CCB), and credit card USD payable can be repaid by US dollar agreed account (the agreed account must be a 19-digit foreign currency passbook account opened by you in the local CCB) or RMB agreed account can be repaid by purchasing foreign exchange (the agreed account must be a debit card, current passbook account or quasi-credit card account opened by you in the local CCB). You can call 4 customer service number to repay your USD repayment by purchasing foreign exchange with RMB deposit or available amount in your Longka credit card. Please call to purchase foreign exchange on the day when you deposit RMB, so as not to deduct the deposit from other RMB account transactions first. You can transfer the funds of your debit card and quasi-credit card to your credit card account for repayment through ATM equipment. (Shanxi and the region have not been opened yet). You can log in to the online banking of China Construction Bank, and use the debit card and quasi-credit card accounts of China Construction Bank to repay the money of Longka credit card account. The specific repayment steps are as follows: firstly, log in to your online bank of China Construction Bank; secondly, select the credit card menu, click Credit Card Repayment, select CCB to return to CCB, and enter the repayment page; then, you can choose to repay your own credit card or others' credit card, and you need to select the credit card account for repayment (if you repay others' credit card, you need to enter the credit card holder's name and credit card); finally, select the repayment account you have signed, enter the repayment amount, and click Next, and enter the transaction confirmation page. You can call the local 95533 of China Construction Bank, and use your dragon cartoon, local credit card (quasi-credit card) or wealth management card to make RMB repayment to your credit card through its self-service voice (this function has not been enabled for business cards and supplementary cards yet). The operation methods are as follows: Method 1: dial 95533 to select 5 for transfer, and enter the account number or ID number to select 3 for credit card repayment; Method 2: Call 95533 and choose 6 credit cards and choose 1 credit card repayment. You can use personal bank settlement accounts (such as savings cards, etc.) opened by other domestic banks to repay. For repayment in this way, you should go to other banks' outlets at least two days before the due repayment date to handle the inter-bank repayment business of Longka credit card. If you have signed online banking with other banks, you can also complete the repayment through their online banking.
How to repay the credit card of China Construction Bank
Credit card repayment method of China Construction Bank:
1. Repayment at the bank counter: go to the counter of the credit card issuer for manual repayment, and just tell the teller to repay the credit card, and cash needs to be prepared in advance.
2.ATM repayment: cash needs to be prepared in advance to deposit money at the ATM of the credit card issuing bank.
3. online banking repayment: find a savings card with a rich balance and online banking, and transfer the money to a credit card account by peers or banks for repayment. There will be a little handling fee for cross-bank operation.
4. binding repayment with savings card: generally, when handling a credit card, the bank staff will ask whether to handle a colleague's savings card, bind the savings card with the credit card, and set the date of deduction (which is set before the repayment date of the credit card). As long as the savings card has sufficient funds, the bank will automatically draw money from the savings card to repay the credit card every month, without worrying about overdue repayment of the credit card.
5. Alipay repayment: Alipay itself has a credit card repayment function. Click to bind your own credit card, and you can see the bill amount every month. You can use the bank card bound by Yu 'ebao or Alipay to repay in real time, or make an appointment for repayment, that is, set a repayment date to repay. As a third-party platform, Alipay will charge a little fee.
6. mobile APP repayment: every bank has its own mobile app, just open the app to enter the credit card repayment interface and operate the repayment.
operating environment:
brand model: iPhone13
system version: iOS15.3.1
app version: v5.7..2
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
interest:
during the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, and the interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.
if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.
how many repayment methods do CCB credit cards have?
CCB provides a variety of repayment methods: agreed repayment. If you have a savings card of CCB, you can bind the savings card with a credit card, and the agreed account will be automatically debited the day after the due repayment date. You can bind the counter of CCB, credit card service hotline, or through self-service channels such as online banking and mobile banking. Repayment at the counter of CCB can be made by presenting a credit card or reporting directly. Transfer repayment, through CCB ATM, online banking and mobile banking (in both cases, the savings card must be signed), transfer the money in the CCB savings card to the credit card, and it is not required that the savings card and the credit card belong to the same person, so that friends and family can help you pay back the money if you can't repay. Inter-bank repayment, as long as you know it, you can pay it back. Repayment through third parties, such as Lacarra and Alipay, all support repayment by loan. There is also a repayment method to insert a card, which is the automatic deposit machine repayment of CCB.
how to repay the credit card of CCB?
customers can apply for credit card repayment of CCB in the following ways: 1. Log in to mobile banking and follow the prompts through the menu of "Credit card-card service-my account-repayment for myself". The repayment amount can be selected from Repayment in Current Period, Minimum Repayment or Enter Repayment Amount. Tips: If you purchase foreign exchange for repayment, please do it before 22 o'clock every day. 2. Pay attention to and enter China Construction Bank WeChat WeChat official account. After binding the credit card, enter "Repayment" in WeChat official account dialogue mode to get the link, and follow the prompts.
(in case of business changes, please take the actual situation as the standard. )
This concludes the introduction of how to repay the two credit cards of CCB and CCB. I wonder if you found the information you need?