Normally, gifts exchanged by integral mall will be mailed to the cardholder's billing address by default. If you need to change it, contact the credit card customer service phone to modify the billing address, and then change it back after receiving the gift.

To modify the CITIC credit card redemption order, it is suggested to call the customer service hotline to apply for modifying the collection information. If it shows that the goods have been shipped, it cannot be modified.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.

Common repayment methods:

Intra-bank repayment: repayment methods mainly include: counter of issuing bank, ATM, online banking, automatic transfer, telephone banking, 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 at the account 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.

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

On 20 17- 12, wechat officially began to charge users for credit card repayment. If the accumulated repayment amount exceeds 5,000 yuan every natural month, 0. 1% (minimum 0. 1 yuan) will be charged, and the part not exceeding 5,000 yuan will still be free. By August 2065438+2008, the 5,000 yuan fee-free quota was officially cancelled.

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

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

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