How can a credit card be repaid?
The way that credit cards are consumed first and then repaid makes our life more convenient, but credit card consumption does not mean that we just concentrate on spending money. It is very important to repay on time. Then, how to pay back the credit card? Next, I will introduce you to a repayment method.
1. Repayment within the issuance
There are many ways to repay at the issuing bank, such as the issuing bank's counter, ATM, online banking and telephone banking. Moreover, after repayment, the credit card limit will be restored immediately, and no additional fees will be charged.
2. Inter-bank transfer
If the card issuing bank no longer repays, you can also choose inter-bank transfer, including inter-bank transfer in the same city and inter-bank transfer in different places. But no matter which way, it is bound to charge a certain fee. At the same time, because it involves inter-bank, not only repayment is not very convenient, but also it cannot be received immediately after repayment.
3. Repayment in convenience stores
In convenience stores or supermarkets, there are generally smart payment terminals such as "Lacarra", which can complete credit card repayment, mobile phone recharge and online bill payment. You don't need to pay the handling fee for repayment by Lacarra, but it takes two to three working days to get the account, so you need to repay in advance.
4. Over-the-counter repayment
"Over-the-counter repayment" actually refers to the bank cards issued by various networked financial institutions. China Merchants, Guangfa, Xingye, Minsheng and other banks support counter access. Any bank in the over-the-counter system can carry out the credit card repayment business without going to the issuing bank for repayment, and it will arrive at the account immediately, but a certain fee will be charged.
5. Third-party platform repayment
Online repayment is very convenient and fast, and third-party platforms such as Alipay and WeChat can also be used for direct repayment. Enter personal information such as credit card and name, and you can use the bound debit card to repay directly. Alipay does not need to charge a handling fee for repayment, but it should be noted that the arrival time of each bank is different, and not all banks can arrive immediately.
How to repay the credit card money? These methods are for you to choose
Credit card consumption has greatly facilitated our life, but remember to repay the money on time on the repayment date. So, how to pay back the credit card? With the rapid development of the Internet, we can not only choose traditional repayment methods, but also adopt more convenient and quick ways. Here are some ways to introduce you.
1. In-bank repayment
In-bank repayment can be made through the issuer's counter, ATM, online banking, automatic transfer, telephone banking and other means. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day. Under the premise of pressing repayment time, it is suggested that cardholders try to use this method to avoid penalty interest and late payment fees. Among them, when transferring money through online banking, the cardholder needs to turn on the online banking transfer function of debit card to transfer money automatically. The transferred debit card and the transferred credit card must be in the name of the same bank, and the handling fee is exempted through intra-bank repayment.
2. Mobile phone repayment
Micro-bank pos mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment, transfer and other services, and it can be received immediately!
3. Online repayment
The common online repayment methods are UnionPay Online, Quick Money, Tenpay, Alipay and WeChat. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different. In addition, each bank has its own APP, which generally supports credit card repayment.
4. Lacarra
Convenience store repays the loan mainly through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
5. 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. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment arrival and the convenience of repayment are not as good as those in the same industry and online repayment.
how to repay by credit card?
You can make credit card repayment through the following channels:
1. Take charge of the bank: Please log in to the take charge of the bank APP, and click "Credit card → Repayment" on the home page, so that you can make credit card repayment by yourself or others. Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC.
2. online banking: please log in to personal online banking, and click "credit card → repayment → one-click repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of Agricultural Bank of China; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.
Tips: If you need to repay the credit card of another bank, you can do it by "transfer".
(Answer time: June 25th, 221. In case of business changes, please take the actual situation as the standard. )
This is the end of the introduction about how to pay back the money swiped by the credit card and how to pay back the money swiped by the credit card. I wonder if you found the information you need from it?