How to pay off a credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

How to use and repay credit cards

Credit cards The method of use is: select the corresponding POS machine according to the card issuing bank and the currency type that needs to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding The amount is sufficient. The credit card repayment method is as follows:

1. Bind the credit card to the bank's savings card. You only need to ensure that there are sufficient funds in the savings card. The bank will automatically deduct the amount when the payment is made, and there is no need to go there again. Manual bank transfer;

2. Alipay repayment, bind your credit card to Alipay and you can repay monthly through Alipay;

3. WeChat repayment, follow the WeChat public account of the card issuer No., such as China Merchants Bank Credit Card. After paying attention, click the bottom menu bar to enter the credit card repayment page;

4. Mobile APP repayment, download the card issuer's mobile APP, and repay when due. ;

5. For Lakala repayment, there are relatively few credit card outlets, but the repayment charges a handling fee of 2 yuan per transaction;

6. Online banking transfer repayment or all inter-bank transfers Repayment.

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 a credit card

The credit card repayment method is as follows:

1. Repayment at the bank counter: Go to the counter of the issuing bank of the credit card to make repayment and inform Bank tellers can make repayments by credit card, but you need to prepare cash;

2. ATM repayment: go to the ATM machine of the credit card issuing bank to perform savings operations, and you need to prepare sufficient cash;

3. Online bank repayment: Find a savings card with a sufficient balance and online banking, and transfer the money to the credit card account with the same bank or across banks for repayment. A small service fee will be deducted for the inter-bank transfer operation;

4. Associated savings card repayment: Generally, when applying for a credit card, bank staff will ask if they can apply for a savings card from the same company, associate the savings card with the credit card, and set the deduction date. As long as the savings card has sufficient assets, the bank will automatically start from Transfer money from your debit card to pay off your credit card, so you don't have to worry about overdue credit card repayments.

Notes on credit card installment payments:

1. Before taking an installment loan, you must read the contract clearly, especially the interest and default clauses;

2. Pay attention to the contract Some of the services here are optional and you can choose according to your own situation;

3. The installment fee is often directly related to the number of phases, so you should choose the most appropriate number of phases according to your own situation;

4. Remember the monthly repayment date clearly to avoid liquidated damages or bad credit records due to overdue repayment;

5. See clearly the conditions for early repayment and understand the fees and charges in advance. calculate.

How to pay off a credit card with a credit card

Using a credit card to pay off a credit card can generally only be done by withdrawing cash from one of the credit cards to pay off the other. This method of repayment is very uneconomical. Cardholders need to pay certain handling fees and interest when using their credit cards to withdraw cash. Interest is calculated on a daily basis, and the longer it takes to withdraw cash, the higher the cost the user will pay. Different banks charge different fees for using a credit card to withdraw cash. Using a credit card to repay a credit card means that the user has difficulties in repaying the loan. At this time, the cardholder can borrow money from relatives and friends and just pay off the debt, but it must be returned to the lender in a timely manner; after paying off the credit card, the user must spend rationally in normal times. Don’t exceed your affordability to avoid being unable to repay on time later.

Can I pay off my credit card with a credit card? How to pay off a credit card?

Can I pay off my credit card with a credit card?

Credit cards can be used to repay credit cards, provided that you have two credit cards and the credit card used for repayment has a higher limit than the credit card to be repaid.

Method 1: Withdraw cash and repay through bank counters, ATMs, etc. The most direct way is to withdraw cash and then repay the credit card. The disadvantage of this repayment method is that there are handling fees. Some banks have no handling fees for credit card withdrawals (this requires a full understanding of the credit card you have), and the amount of direct cash withdrawal will be directly included in the fees payable in the next repayment cycle. In other words, it can only relieve your immediate needs, but you will still be in pain next month.

Credit cards have a limit that allows you to withdraw cash directly. If you are in a hurry, you can only use this stupid method.

Method 2: Recharge a third-party payment account with a credit card and then repay the payment

The advantage of using a third-party account as a transitional method of recharging first and then repaying is that you don’t have to withdraw money directly. Relevant operations can be completed online. What should be noted here is that this repayment method requires two steps. The first is to recharge the third-party account. Let’s take Alipay as an example. The second is to use Alipay to repay the credit card.

Comparison of fees for two credit card repayment methods

ICBC credit card cash withdrawal fee rules:

Free for local banks; 2 yuan/transaction for local inter-bank transactions; The amount of cash withdrawals from our bank is 1, with a minimum of RMB 1 per transaction, and a maximum of 50 yuan per transaction; the amount of cash withdrawals from other places with other banks is 1, with a minimum of RMB 1 per transaction, and a maximum of 50 yuan per transaction, plus an additional inter-bank procedure of 2 yuan per transaction. fee.

ICBC credit card overdraft withdrawals do not enjoy the interest-free repayment period. From the accounting date to the repayment date, overdraft interest will be charged at a daily expected annualized interest rate of 5/10,000, calculated on a monthly basis. Compound interest.

Repay your own credit card: If the name on the account is the same as the name on the repayment credit card, the repayment will be free of charge. No matter whether the repayment is on the computer or the mobile client, there is no handling fee.

Situation 1 of repaying money for others: The account name is inconsistent with the name of the repayment credit card account. There are two situations. If you use Alipay wallet (Alipay mobile client) to repay, there is no handling fee. Situation 2 for repayment by others: If you repay for others on the computer client, you need to pay a handling fee. If you repay others on the computer, a service fee of the repayment amount will be charged (minimum 2 yuan/transaction, maximum 25 yuan/transaction) ).

This is the end of the introduction on how to use a credit card to repay a credit card and how to use a credit card to repay a credit card. Have you found the information you need?