The current credit card repayment methods include in-bank repayment, mobile repayment, online repayment, inter-bank transfer, counter transfer, Lakala, Xinpaytong, Repayment Tong, etc. The credit card limit will be restored automatically after repayment. Here are some 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. It can be used to directly swipe the card for repayment, and can also perform transfers and other services.
3. Convenience store repayment.
Convenience store repayments are mainly completed through some smart payment terminals installed in convenience stores. 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 can be used to conduct RMB current deposits and withdrawals and other transactions through the counters of other bank branches registered in the UnionPay Exchange Center host system. This way you can transfer funds to a credit card for repayment.
7. Lakala.
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through offline shopping malls, bank outlets or purchasing "Lakala" device terminals.
8. Xinfutong.
The "Xinfutong" 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.
9. Repayment Pass.
When using "Repayment Link" to repay, the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.