What are the repayment methods for Everbright Bank credit cards? Check out the four repayment methods

China Everbright Bank credit cards are very popular among people, and many people often use China Everbright Bank credit cards for their daily expenses. Of course, after consumption, you need to repay the bill. So, how to repay the credit card of China Everbright Bank? What are the repayment methods for Everbright Bank credit cards?

1. Third-party payment platform repayment

Nowadays, people are using third-party payment platforms like Alipay more and more frequently for online consumption or daily life. In addition to It can be used for consumption and to pay off credit cards. For example, like Alipay, you can log in to Alipay, open the "Application Center", select "Credit Card Repayment", and click "Repay Now" to repay your Everbright credit card.

2. Online banking repayment

Customers who have opened Everbright Bank’s online banking can also choose to use online banking to repay. It is also very convenient to operate. After logging in to online banking, select “Credit Card” ” and then click “Credit Card Repayment”.

3. Repayment at self-service equipment

You can take your Everbright Bank credit card to repay at the self-service equipment at nearby outlets, that is, go to ATM machines and CRS machines to make repayments. That’s it.

4. UnionPay online repayment

You can repay through the UnionPay online payment network, which supports the repayment of Everbright Bank credit cards.

The above is a summary of the four methods for repaying Everbright Bank credit cards. People generally use third-party payment platforms to repay, and there is no handling fee for repaying their credit cards through Alipay. , it’s very worthwhile. Of course, several other methods are also very convenient and quick.

How to repay Everbright Bank credit card?

1. The repayment method of Everbright Bank credit card - automatic repayment

After you successfully associate the Everbright Bank credit card with the Everbright Bank debit card or current one-stop card, you will be charged monthly Transfer repayment from your designated Everbright debit card or current account to your own Everbright credit card.

Note:

(1) The automatic repayment method can only use the debit card or current current card of the main credit card holder as the credit card associated repayment account, and The account name and ID number of the transferred account must be exactly the same as the name and ID number of the main credit card holder.

(2) There are two methods for automatic repayment of U.S. dollar accounts. One is automatic transfer of U.S. dollars for repayment, and the other is automatic purchase of foreign exchange for repayment of RMB. You can choose the corresponding one according to the currency of your daily balance funds. Repayment methods cannot be activated at the same time.

(3) For automatic repayment, you can choose to repay in full or with the minimum repayment amount.

(4) After automatic repayment takes effect, the Bank will deduct the credit card repayment for the current month from your designated account on the due repayment date, and you no longer need to repay it yourself; if the balance in the associated account is insufficient, The balance will be deducted to "0" yuan, and the remaining balance will not be deducted separately. You need to repay by yourself. If you repay after the due payment date, you will be responsible for the resulting late payment fees, interest and other fees.

Application method:

(1) Application form check: When applying for a credit card, fill in the Everbright Bank debit card or current account in the "Automatic transfer repayment information" field on the application form Yibentong account, check the repayment method. If the repayment method is not checked, the default is full repayment; when the dual-currency card activates the RMB automatic transfer repayment function, it also activates the RMB automatic foreign exchange repayment function by default.

(2) Telephone banking application: dial the 24-hour customer service hotline 4008-1-95595, and activate RMB automatic transfer repayment, USD automatic transfer repayment or RMB automatic foreign exchange purchase repayment through voice service or manual service function.

(3) Apply through China Everbright Bank Online Banking: Log in to the homepage of China Everbright Bank, log in to the "Public Edition" or "Professional Edition" of personal user online banking, and select "Automatic Repayment Settings" or "Foreign Exchange Purchase Repayment Settings" ”, make the corresponding associated automatic repayment application.

2. One of the credit card repayment methods of Everbright Bank - UnionPay online repayment

You can use debit cards from nearly ten banks to repay our credit card through the UnionPay online payment network. . Debits from China Merchants Bank, Industrial Bank, Shenzhen Development Bank, Shanghai Pudong Development Bank, China CITIC Bank, Everbright Bank, Minsheng Bank, Shenzhen Ping An Bank (Shenzhen Commercial Bank), Shenzhen Rural Commercial Bank, and Bank of Communications (Shenzhen) can be used Card transfer to our bank's credit card for repayment. During the promotion period, inter-bank transfer fees are temporarily waived.

Notes:

(1) Before repayment, the transfer-out debit card and transfer-in credit card must be bound and real-name verified.

(2) Real-name information must be used when registering. Otherwise, the binding card and real-name verification process will fail.

(3) Your repayment will be credited within three working days of the actual repayment date. Repayments after 23:00 will be regarded as next-day transactions. If the repayment does not arrive on time, you can call UnionPay customer service hotline 95516 for consultation. To protect your interests, please repay within three working days of the due date at the latest.

(4) The UnionPay online payment website sets the maximum monthly repayment limit for each user to 20,000 yuan. No matter how many debit cards you bind, once your cumulative repayment amount exceeds 20,000 yuan this month Yuan, an "Amount Exceeded" error will be prompted.

(5) The debit card issuers that support this business shall be subject to the announcement on the UnionPay online website.

(6) For debit card segments that support this business, please contact UnionPay customer service hotline 95516.

3. One of the Everbright Bank credit card repayment methods - Lakala convenient payment outlets

You can use any debit card with the UnionPay logo at any Lakala Automatically repay your China Everbright Bank credit card on the payment terminal at a convenient payment outlet. This business does not charge handling fees for the time being.

Repayment process:

1. Select "Credit Card Repayment" → 2. Use Everbright credit card or enter Everbright credit card and confirm → 3. Enter the repayment amount and confirm → 4. Enter the SMS recipient’s number → 5. Swipe the debit card, enter the password and confirm → 6. End the repayment and print the receipt → 7. Receive SMS notification

Convenient payment outlet distribution:

Xinfutong terminals are widely distributed in office buildings, convenience stores and grocery stores around residential areas in Beijing, Shanghai, Shenzhen and other large and medium-sized cities, all around your work and living areas. Lakala has built and opened more than 15,000 outlets. The specific deployment location shall be subject to the information published on the Lakala website. For details, please see

IV. Everbright Bank credit card repayment method - counter repayment

You can use credit card or cash. When the repayment is due, go to our bank's business outlets for cash repayment in RMB or US dollars. If you hold an Everbright debit card or current one-stop card, you can also handle transfer repayment at the branch counter. In addition, the counter can also handle foreign exchange purchase and repayment business.

5. One of the credit card repayment methods of China Everbright Bank - self-service equipment repayment

(1). Self-service equipment transfer repayment

Ebright provides "credit card repayment" Self-service equipment with "payment" functions include: ATM, CRS (self-service deposit and withdrawal machines), multimedia self-service terminals, and payment machines.

Everbright debit card holders can transfer and repay the bank's own or other people's credit cards at our bank's ATMs, CRS and other self-service equipment. Except for multimedia self-service terminals, other self-service equipment only accepts RMB transfer and repayment.

Operation process:

1. Insert the Everbright debit card → 2. Enter the debit card transaction password → 3. Select "Credit Card Repayment" → 4. Enter the Everbright credit card → 5 .Enter the repayment amount → 6. Confirm and select "Print Receipt" → 7. Select "Get Card".

(2) Deposits at CRS self-service deposit and withdrawal machines

You can bring your credit card and cash and apply through the self-service deposit and withdrawal machines (CRS) at Everbright Bank outlets or self-service outlets. Cash repayment in RMB.

Operation process:

1. Insert the Everbright credit card → 2. Enter the credit card transaction password → 3. Select "Deposit" → 4. Put the cash into the "Input Slot" → 5 .Confirm → 6. Confirm the deposit amount → 7. Select "Print Receipt" → 8. Select "Get Card".

6. China Everbright Bank credit card repayment method - Online banking transfer repayment (Public version, Professional version)

Operation steps:

In China Everbright Bank Log in to the "Public Edition" or "Professional Edition" of personal user online banking on the home page, select "Credit Card" - "Credit Card Repayment", and follow the page prompts to repay the bank's credit card from Everbright debit card or current account. .

Notes:

(1). The "Public Edition" of online banking only supports repayment from one's current account to one's credit card. The credit card account needs to be linked to online banking first, and the repayment can only be successfully achieved after the credit card appears in the "Credit" drop-down box on the "Credit Card Repayment" page.

(2). The "Professional Edition" of online banking can realize repayment from the bank's current account to any of the bank's credit cards (including personal and other people's credit cards). The credit card that needs to be repaid in my name can be selected in the drop-down box by adding online banking. At the same time, the function of manually inputting the credit card that needs to be repaid is provided to facilitate repayment to credit cards that are not in my name.

(3). Operation process of adding a credit card to online banking: 1. Log in to the Professional Edition/Public Edition of Online Banking → 2. Select "Customer Service" → 3. Select "Add Credit Card Account" → 4. Enter the credit and Password → 5. Click "OK".

7. China Everbright Bank credit card repayment method - inter-bank transfer/remittance

You can repay by transfer or remittance at other bank counters. Please fill in the documents as follows:

Payee: Name of the credit card holder for repayment

Billing account number: Credit card for repayment

Payment Bank or account opening bank: any Everbright branch (it is recommended to fill in the local China Everbright Bank branch)

Notes:

If you use this method to repay, you need to bear the fees charged by other banks. Remittance fees. Please consult the accepting bank for specific arrival time and handling fee standards.

How to repay with Everbright Credit Card

Automatic repayment: Repayment at Everbright Bank counter: Repayment at self-service equipment.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

This is the introduction of how to repay the Everbright Credit Card.