Nowadays, credit cards have entered people’s lives. Its interest-free treatment ranging from 20 to 56 days and reducing the risk of carrying cash have become the main settlement tool for people to pay in supermarkets, dine, stay and travel, book tickets and shop online.
Of course, while credit cards are convenient, repayment has also become a primary issue. When repaying credit cards, most banks provide different repayment methods such as bank branches, electronic banking channels, and self-service channels. But if you choose to repay at a bank branch, you have to search for banks on the streets. If you repay across banks, not only will you be charged a handling fee, but you can't guarantee the arrival time. So, what should professionals who are usually busy at work and tight on time do?
The following introduces the most popular third-party payment platforms for credit card repayments. Currently, many third-party payment institutions such as Alipay, Kuaiqian, Tenpay, and UnionPay Online can provide credit card repayment services.
Four platforms compete.
Alipay platform repayment supports inter-bank repayment from 38 banks, and repayment using Alipay balance is free of charge. If you choose to repay on the same day, 25 banks including China CITIC Bank and Shanghai Pudong Development Bank support instant payment; China Construction Bank (00:00-15:50), ICBC (00:00-2:30), Agricultural Bank of China (00336000-22336000), Bank of China ( 00336000-19336000) and 12 other banks support same-day repayment. In addition, only Shanghai Bank arrived the next day.
Tenpay platform repayment supports inter-bank repayment from 21 banks without any fees. Among them, 6 banks including Agricultural Bank of China and China CITIC Bank support real-time payment; 7 banks including China Construction Bank (00:00-09:00), ICBC (00:00-22336000), and Bank of China (00336000-14336000) support same-day repayment. Arrive. In addition, repayment from 8 banks including Shanghai Pudong Development Bank takes 2-3 working days, and will be postponed during holidays (if the repayment is made on Friday, it will be credited to the account the following Monday).
Money platform repayment, online repayment from 18 banks, free of charge. Among them, only one repayment from Bank of Ningbo supports real-time payment; 7 banks including Bank of Communications and China Merchants Bank repay the next day, and will be postponed if it falls on statutory holidays; 10 banks include China Construction Bank, ICBC, Agricultural Bank of China, Bank of China, Agricultural Bank of China, etc. Repayment will be made within 2 to 3 days, and will be postponed in case of statutory holidays.
The UnionPay online repayment platform supports online repayment from 14 banks, free of charge. Among them, 29 banks including China CITIC Bank support real-time payment, and 3 banks including Shanghai Pudong Development Bank support payment within 1 to 3 working days.
It is best to repay the loan in advance.
The Alipay platform supports 23 online banks, quick payment with 73 bank cards, and direct repayment of Alipay balance; the Tenpay platform supports 18 online banks, quick payment with more than 50 bank cards, and Tenpay balance Direct repayment. Because the quick payment function is not enabled, the Kuaiqian platform only supports debit card online banking repayments from 23 banks; the UnionPay online platform supports repayments from 12 banks.
Currently, Kuaiqian does not have an online quick payment function, so if the cardholder wants to repay the credit card through such a platform, the cardholder's bank card of the repaying bank must activate the online banking function. However, there is no need to open online banking when repaying through Alipay, Tenpay's quick payment or UnionPay online payment. For each payment, you only need to enter the payment password of the payment platform to complete the payment.
It is worth noting that all third-party payment institutions require that credit cards cannot be used to repay other credit cards. At the same time, due to issues such as different processing times between banks and network transmissions, even if payment is made within the repayment period, funds may not be recorded in time due to network program operation and other reasons, resulting in late payment fees or interest, which will affect the credit limit. Therefore, it is best not to repay the loan close to the deadline, but to repay the loan a few days in advance to ensure that the debt is received within the deadline. Related Q&A: Can Kuaiqian.com repay credit cards? What is the Kuaiqian credit card repayment function? The Kuaiqian credit card repayment function means that cardholders can transfer the funds in their debit card accounts to their credit card accounts through online banking through the Kuaiqian credit card repayment platform. You only need to have one debit card with online payment function enabled to repay multiple credit cards conveniently. Is there any handling fee for repayment using a Kuaiqian credit card? Cardholders do not need to pay a handling fee when using Kuaiqian credit cards.
I repay my credit card through the Kuaiqian Credit Card Repayment Platform. How long will it take for my credit limit to be restored? After you successfully transfer the funds on the Kuaiqian Credit Card Repayment Platform, the credit card repayment will be credited to the account within T+1 working days. In case of statutory Holidays will be postponed (including Saturdays and Sundays). In order to avoid exceeding the repayment period and affecting your personal credit, it is recommended that you arrange the repayment time reasonably and make preparations in advance. Can I repay for other people? Can other people repay for me? This is not recommended. Disputes and risks arising from repayment under different account names must be borne by the user. Can I transfer money from a credit card to a credit card? No. Quick Money credit card repayment business must use the funds in your debit card to repay your credit card. It is illegal to use your credit card to cash out. We will cooperate with relevant units in the investigation and handling within the scope permitted by law. I have not opened the online banking of my debit card bank. Can I make online repayments through Quick Cash credit card repayments? No. You must have a debit card with the online payment function enabled and log in to the debit card's online banking to complete the deduction operation before you can use Kuaiqian's credit card to repay. If your debit card does not have the online payment function enabled, please enable the online payment function in accordance with the requirements of the debit card issuing bank before using the Kuaiqian credit card repayment service. I have completed the deduction in debit card online banking, but the transaction result page cannot be displayed. Will the payment be deducted? Please provide your repayment transaction number and the bank order number for online banking payment. If Kuaiqian has received your When transferring money from a bank card, if it is confirmed that it is a normal transaction, Kuaiqian will complete the repayment and arrive it in your account on T+1 working day. In case of legal holidays, it will be postponed. If Kuaiqian has not received your payment, please verify the transfer status of your bank card and provide the statement record on the day of repayment. After verification and confirmation by Kuaiqian within 2 working days, the repayment will be completed and credited to your account on the day of confirmation. After the credit card repayment fails, when will the repayment amount be refunded to my transfer card? After the repayment fails, Kuaiqian will complete the refund processing within 2 working days after receiving the failure message from the bank, and the specific refund will be to The bank card processing time depends on the refund processing time of each bank. Can I use the Kuaiqian credit card repayment service without registering for Kuaiqian? Yes. When non-Quaiqian users use the Kuaiqian credit card repayment service for the first time, they fill in relevant information such as their common email addresses in the repayment information confirmation process, and they will naturally register as Kuaiqian users. Which banks' debit cards can I use to repay credit cards? Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Shanghai Pudong Development Bank, Bank of China (Guangzhou), Shanghai Pudong Development Bank, China Minsheng Bank, Pudong Development Bank, Shenzhen Development Bank , Huaxia Bank, Industrial Bank, Bank of Beijing, Beijing Rural Commercial Bank, Bohai Bank.