Since June 65438+February last year, a certain handling fee has been charged for returning credit cards through WeChat. Many people complain that WeChat is not conscience enough. Now it seems that my conscience has been discovered. Wechat Wealth Management has a new service, which can exempt the handling fee for returning credit cards. If you don't know yet, come and have a look!

According to the previous repayment rules, the part of WeChat users whose accumulated repayment amount exceeds 5,000 yuan per natural month is charged (minimum). This time, WeChat Finance has increased the way of repayment through the money fund, regardless of the repayment amount. There is no handling fee.

In fact, the principle is very simple. We can buy this money fund directly or choose to buy it regularly every month. When we need to pay back the credit card, we can deduct money from the money fund we hold.

If you don't need to repay at ordinary times, the funds will also generate expected returns.

So how should I operate specifically?

First, open the WeChat wallet, select Licaitong, and click Return Credit Card to see relevant pages.

The top will show the number of money funds you currently hold. You can add a credit card to repay in the middle. You can buy money funds at the bottom.

At present, there are four kinds of money funds to choose from, and you can choose the one with high annualized expected rate of return.

In fact, these functions can be realized on Alipay, but now the balance treasure is restricted, and users can have one more choice ~

How much is the credit card fee for WeChat Finance? The coup of free repayment of Licaitong

There are more than 800 million card-tying users for WeChat payment. Such a huge user base makes WeChat the only third-party payment platform that can compete with Alipay. Recently, however, WeChat has been moving frequently, from cash withdrawal charges to credit repayment charges. Recently, it was announced that Licaitong would charge back the credit card fee, which caught many users off guard. Let's introduce it to everyone. How much is the credit card fee for WeChat Finance? By the way, I want to give you a free credit card return skill for wealth management.

1. WeChat Wealth Management also pays the card processing fee.

Since 20 17 and 12, wechat has set the charging standard for users to pay back their credit cards, and many people have started to use wechat to do micro-finance to avoid handling fees. As long as you repay your credit card through WeChat, you can avoid handling fees and support free repayment of up to 1 10,000 yuan.

However, WeChat Licaitong officially announced that since August 1 day, 2065438, credit cards will be repaid through Licaitong, and each repayment will be charged according to the repayment amount. Moreover, the handling fee is paid together with the repayment amount when the user carries out the repayment operation.

The calculation formula of the handling fee for returning the credit card by WeChat Wealth Management is: handling fee = repayment amount. The handling fee shall be calculated to 2 decimal places, with the lowest being RMB).

Second, how to avoid handling fees when returning credit cards by WeChat Wealth Management?

According to the asset accumulation of users on the platform, Licaitong divides users into four membership levels: platinum, gold, silver and ordinary. The higher the level, the more exclusive services users can enjoy.

As for the credit card fee of WeChat Licaitong, Licaitong Platinum and Gold members can enjoy the comprehensive policy of credit card fee repayment.

In addition, you can continue to enjoy the free repayment service by joining the "Love Fixed Investment Plan" of WeChat Licaitong and transferring 500 yuan and above to Licaitong every month.

How much is the credit card fee for WeChat Finance? Through the above introduction, users should know that if they want to continue to enjoy free repayment, they must quickly become a platinum or gold member of Licaitong or join the "Love Investment Plan"!

How to pay back the credit card with WeChat change without handling fee? Know a few free repayment skills!

There are many payment methods for WeChat and credit cards, such as change payment and bank card payment. If you upgrade the change to a change pass, you can also pay back the credit card through the change pass. Then, is there a handling fee for returning the credit card with small change? Is there any way to avoid handling fees? Let's take a look together.

Is there a handling fee for returning credit cards with WeChat change?

The change card supports credit card repayment, but the change card is one of the wealth management products on WeChat, so using it to repay the credit card will pay a certain handling fee according to the WeChat credit card charging rules.

As far as I know, there is a free limit of 5000 yuan for WeChat change repayment credit card. If your accumulated monthly repayment exceeds 5,000 yuan, the excess will be charged according to the new standard. If the monthly repayment amount is less than 5000 yuan, there is no need to charge a handling fee.

How to pay back the credit card with WeChat change without handling fee?

Friends who want to pay back their credit cards for free through WeChat change pass will be disappointed. No matter how you return the credit card, you have to pay this fee. I can only introduce several other ways to return credit cards for free:

1. Platinum and gold members of Licaitong, as well as users who have transferred to 500 yuan and above through the "Love Fixed Investment Plan", can continue to enjoy free handling fees;

2, the mobile phone Alipay APP can repay the credit card for free, but the computer side has to repay the fee;

3. Jingdong Financial APP can also pay back credit cards for free;

4, UnionPay China UnionPay Express APP, credit card interbank transfer is free;

5. The mobile banking of the bank can also pay back the credit card for free.

The above is "How to pay the credit card for free with WeChat change? Learn a few free repayment skills! " Related introduction. As one of WeChat's wealth management products, Licaitong also charges for credit card repayment according to the new standard from August 1, and can't repay for free, but you can choose other channels to repay for credit card for free.

How does WeChat pay back the credit card for free?

Log in to the WeChat client.

Click "I" → wallet → credit card repayment;

Select the credit card to be repaid or add a new credit card → enter the repayment amount → click Repayment Now to complete the repayment.

Since the launch of WeChat credit card repayment function, various functions have been continuously improved, and it has supported online inquiry of credit card bill amounts of 22 banks including China Bank, Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, Minsheng Bank, Shanghai Pudong Development Bank, China CITIC Bank and Huaxia Bank.

Provide more convenient repayment service for credit card users; Wechat credit card repayment innovatively launched special functions such as regular repayment and crowdfunding repayment.

Among them, by making an appointment for repayment, users can deposit repayment funds into Tencent Licaitong for value-added before the repayment date.

Automatic repayment to credit card account before maturity; At the same time, through crowdfunding repayment, users can invite friends to repay for themselves and make repayment; At the same time, you can also invite friends to repay for yourself.

How much is the repayment fee for WeChat credit card?

Each repayment is charged at 0. 1% of the repayment amount.

1, WeChat's wealth management card will charge a certain handling fee.

2. The specific implementation time of credit card repayment charge is August 1 day, and there will be no handling fee in July, so be prepared when returning the credit card in August.

As users, we are most concerned about the specific handling fee. It is clearly pointed out in the announcement that the handling fee will be 0. 1% of the repayment, which means there will be 1,000 yuan as the handling fee.

4. Regarding the reasons for the credit card repayment charges, Tencent explained that Tencent has invested a lot of money in the credit card repayment business, so it is now charging. See Tencent's explanation below for specific reasons.

5. Of course, not all users charge the fee of WeChat financial management. Tencent still implements a free policy for senior financial users, including platinum members and gold members. See below for details.

This is the end of the introduction of WeChat Licaitong credit card repayment and WeChat Licaitong credit card repayment fee-free quota. I wonder if you found the information you need from it?