When the credit card expires, the old card just can't be used. After changing the new card, the account is still shared, and it is not necessary to pay off before changing the card. The new card and the old card only change the validity period, security code and card number, and the original account information will be transferred to the new card. In other words, after the credit card bill comes out, you can repay it with a new card or with an old card.

Common credit card repayment methods in China mainly include the following categories (according to the cost level):

In-bank repayment:

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Mobile phone repayment:

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Convenience store repayment:

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Network repayment:

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Inter-bank transfer:

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Counter channel:

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

Lacarra:

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

Xinfutong:

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

Repayment voucher:

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Smart repayment:

The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.