How to cancel the scheduled repayment of Alipay credit card (debit card)?

The scheduled repayment of Alipay credit card (debit card) can be canceled, but it must be canceled before the set scheduled repayment date. If it is canceled on the day of the scheduled repayment time, it cannot be canceled.

The specific cancellation process is as follows:

1. Open Alipay on your mobile phone, click on credit card (credit card) repayment, enter the repayment page and select the credit card (credit card) that has successfully made an appointment for repayment. card);

2. Enter the reservation repayment area, click "Cancel Appointment", and then run the confirmation;

3. After successful confirmation, you can cancel the Alipay credit card (credit card ) made an appointment for repayment.

Where is the money deducted for credit card scheduled repayment?

Credit cards have a scheduled repayment function. After the user sets the scheduled repayment, it will automatically be deducted from the user when the repayment time comes. Debit a certain bank card account to repay the credit card bill.

Once the deduction is successful, it will be directly entered into the credit card account, and the credit limit of the credit card will be restored accordingly. In addition, the credit card repayment reservation function can bind multiple bank card accounts.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

What does it mean to make an appointment for repayment with a WeChat credit card? Introduction to the operation process

Now WeChat can not only be used to obtain information and communicate with people, but also meet the needs of users in all aspects of life, including credit card applications and credit card repayments.

Today I would like to introduce to you, what does WeChat credit card reservation repayment mean? How to operate?

1. Introduction to WeChat Credit Card Appointment Repayment

Appointment financial management repayment is a new repayment method combined with Tencent Financial Management Pass, which not only ensures timely repayment, but also earns money for you. The expected return will increase the value of the repayment funds. The selected financial products are generally safe and low-risk monetary fund financial products.

WeChat users can deposit repayment funds into Licai Tong to earn steady expected income. On the day before the set final repayment date, the repayment funds will be returned to the credit card, which will not cause the credit card to fail. Overdue.

2. WeChat credit card reservation and repayment process

1. Log in to your personal WeChat account and enter the “Wallet” page;

2. Select the Tencent service “Credit Card Repayment” "Repayment", click on the credit card to be repaid (if it is not bound, you need to add credit card related information first);

3. On the credit card repayment page, select "More repayment methods" and click "Schedule repayment" "Payment";

4. Set the repayment plan, then click "Buy Now", enter the amount, and follow the prompts on the page.

What does credit card repayment reservation mean?

Credit card repayment reservation is to bind your bank and debit card. Every time the credit card repayment date comes, the bank will automatically Debit the credit card bill amount from your debit card. With the credit card repayment appointment service, my mother no longer has to worry that I will forget to repay the loan. It should be noted that you must have enough money in your savings card to pay the bill, otherwise the system will not be able to deduct it even if your repayment is overdue. If overdue repayment occurs, not only will you have to pay a certain late fee to the bank, but your personal credit record and future loan business will also be affected to varying degrees.

Credit card repayment methods

1. Repay within the bank. The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Mobile phone repayment. The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly swipe credit cards for repayment, or to perform transfers and other services. Instant payment!

3. Convenience store repayment. Convenience store repayments are mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

4. Online repayment. The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

5. Inter-bank transfer. 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.

6. Counter access. Over-the-counter transactions refer to bank cards issued by various networked financial institutions, which allow RMB current deposits and withdrawals to be made over the counter at other bank outlets registered in the UnionPay exchange center host system.

7. Lakala. Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or by purchasing "Lakala" device terminals.

8. Xinpaytong. The "Xinpaytong" smart card swiping phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

What’s up with credit card scheduled repayment?

Credit card scheduled repayment: refers to the bank’s activation of automatic repayment from the customer’s designated payment date before the due date of each issue of the customer’s credit card bill. The corresponding credit card balance will be deducted from the account. However, cardholders need to ensure that the repayment amount in the agreed repayment account is sufficient to avoid automatic repayment being insufficient.

Applying method: Bring the original and copy of your ID card, credit card and debit card to the bank branch to apply.

Extended information:

Notes on scheduled repayment inquiry:

1. The scheduled repayment can only be automatically repaid after it takes effect. In order to avoid causing repayment If there is a delay, the user needs to call the 24-hour service hotline 2 days before the due date of repayment to check whether the scheduled repayment through self-service voice has taken effect. If it has not taken effect yet, the current account still needs to be returned to the branch on its own initiative.

2. Before the due repayment date, the user must deposit the full amount of the repayment into the scheduled repayment account (to ensure successful deduction, at least 5 more yuan must be deposited). If the balance is insufficient, it will not be deducted. If the repayment fails due to this, corresponding interest charges will be borne.

3. When signing up for the scheduled repayment account repayment function in US dollars, users need to specify a US dollar account or a RMB account (choose one of the two).

4. If the user has not made an appointment for a repayment account and decides to use RMB to purchase foreign exchange for overseas transactions and repay it, the full amount of RMB (full amount of RMB = US dollar account balance exchange rate) will be transferred after the bill date and before the due repayment date. ) into the Longka credit card account, and call the Construction 24-hour service hotline to apply for telephone foreign exchange purchase on the day of deposit.

How to repay in advance with a credit card

If there is no installment, then go directly to a bank branch, or directly transfer money to the credit card to repay in advance through online banking, Alipay, WeChat payment and other channels; If the installment has been processed, the cardholder needs to call the bank's customer service hotline to apply for suspension of the installment before it can be repaid in advance. However, some banks stipulate that even if the loan is repaid in advance, the handling fees required for each installment of the loan will still be charged as usual.

Specific steps for early repayment of credit card:

1. Make an appointment by phone. CCB customers who need to repay their loans in advance should first call CCB to make an appointment in advance and wait for notification from the other party. At the same time, carefully check the bank's early repayment requirements and pay attention to whether you need to prepare for early repayment penalty.

2. Fill in the application form. After being notified by the other party, go to the CCB branch to pick up the application form and fill it out. At the same time, prepare the required documents, such as ID cards, loan contracts, etc., and submit them to the bank for approval.

3. Bank phone notification. After the bank's approval is passed, the bank will notify you by phone.

4. Go through the repayment procedures. The repayer brings relevant documents to the bank to handle the early repayment procedures.

5. Make early repayment. After completing the procedures, go to the bank counter to make the repayment. Some banks can transfer the money directly to the card.

This concludes the introduction about credit card scheduled repayment and manual repayment after scheduled credit card repayment. Did you find the information you need?