How to pay off a credit card for others
The specific operation method of repaying a credit card:
1. The cardholder must find a good repayer before the bill is due. intermediary or individual.
2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.
3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.
4. Then use the POS machine provided by the other party to withdraw the same amount.
5. Finally, the cardholder pays the return fee to the returner.
Credit card agency still has certain risks. You must find a formal agency to avoid being defrauded of personal information and property.
1. Direct ATM repayment:
If you don’t have a friend’s credit card, you can directly conduct card-less transactions at the ATM, enter your friend’s credit card number, and transfer the money directly to your friend. On the card, the purpose of repayment can be achieved. If so, you can directly deposit money to repay.
2. Alipay repayment:
1. Log in to your Alipay account, click Application Center - Credit Card Repayment - Credit Card Management
2. Click Add Credit Card
p>3. Fill in the credit card related information and click OK
4. The credit card is added successfully. You can directly select the set credit card for repayment next time. It is convenient and fast. You can also Choose to modify settings or delete credit card information.
Use Alipay to help others pay off their credit cards. Repayment through the Alipay mobile client is free; repayment through the computer terminal charges a repayment rate of 0.20, with a minimum of 2 yuan per transaction and a maximum of 25 yuan per transaction.
Warm reminder: if the account name is consistent with the name of the beneficiary bank, it is repayment for yourself; if the account name is inconsistent with the name of the beneficiary bank, it is repayment for others, including the name of the credit card holder and the name of the Alipay account. The relationship between traditional and simplified characters.
3. Online banking repayment:
First of all, you must open online banking, and then you can directly use online banking to transfer money to the other party's credit card, which can also achieve the purpose of repayment. .
4. Repayment at the business outlet:
After arriving at the business outlet, directly transfer the money to the other party's bank card. The salesperson will execute it after your confirmation, and the repayment is achieved. Purpose.
Operating environment: WeChat Version 8.0.16, Alipay Version 10.2.0.9000, Industrial and Commercial Bank of China v6.1.0.8.0, Agricultural Bank of China v6.8.0
How to help others pay back their credit cards?
There are many ways to help others pay off their credit cards. The following uses WeChat as an example:
1. Steps for repaying money on WeChat
1. First open your phone WeChat, click "Me" to enter "My Wallet";
2. On the "My Wallet" page, select "Credit Card Repayment". If it is the first time to use it, you must first add the repayment For the credit card, enter the name and name to add;
3. Fill in the credit you want to repay and the name of the cardholder. After successfully adding the credit card, enter the amount to be repaid and enter the payment password.
Tip: You can choose to pay with change or bank card as payment method.
2. Notes on WeChat repayment
1. Confirm the credit card used for repayment and the correct name of the cardholder;
2. Not all All banks can repay through WeChat. It is understood that China Merchants, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, Guangfa, China Construction Bank, Industrial Bank, CITIC, Ping An, Agriculture, Minsheng, China Everbright, as well as Shanghai Pudong Development Bank, Bank of Jiangsu, Bank of Ningbo, Bank of Nanjing, Credit cards from banks such as Bank of Shanghai, Bank of Beijing, Bank of Hangzhou, Hankou Bank, and Shanghai Rural Commercial Bank can be repaid using WeChat;
3. Check the arrival time of credit card repayments via WeChat, and grasp the arrival time of WeChat repayment , to avoid overdue credit cards.
Tip: When helping a friend to repay a credit card, it must be trustworthy, otherwise it may cause irreparable losses.
Where can I find a credit card repayment agency in Gaoling Jinghe District?
There is a credit card repayment agency on my mobile phone in Gaoling Jinghe District. The specific steps are as follows:
1. Just install a professional smart credit card repayment app on your mobile phone.
2. After binding the credit card, you can perform credit card repayment on the replacement page.
How does credit card repayment work?
1. The specific method of repaying a credit card:
1. The cardholder must find a good account before the bill is due. An intermediary or individual who is responsible for the return.
2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.
3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.
4. Then use the POS machine provided by the other party to withdraw the same amount.
5. Finally, the cardholder pays the return fee to the returner.
Credit card agency still has certain risks. You must find a formal agency to avoid being defrauded of personal information and property.
2. What platforms are available to repay credit cards on your behalf?
1. Repay credit cards through JD Gold Bars
Everyone is familiar with JD Gold Bars, as long as If the user's credit score reaches the standard and meets the conditions, he or she can obtain a certain quota, and then apply for a loan within the quota, which can be directly transferred to the credit card. The interest during the activity is 0.45 per day.
2. Repay the credit card through Jiebei
There is a Jiebei in Alipay. Users with a sesame score of 650 or above have the opportunity to obtain a credit limit and apply for a loan in Jiebei to repay the credit card. , and then repay the money to the loaner. The daily interest rate is 0.4, which is lower than that of the bank.
3. Repay credit cards through Huanbei
Huanbei is a repayment product of Shanghai Shuhe Technology. It can help users repay credit cards in low-interest installments, and the users will then repay the money. Yes, and the interest you pay back is 50% off the minimum credit card repayment interest rate.
4. Repay the credit card through Shengbei
Shengbei is loaned by Harbin Bank. There are three loan periods of 3, 6, and 12 to choose from. The handling fee is paid by the bank. About 70% off.
Credit card agency still has handling fees and interest. You can try not to repay it on your behalf. You must also pay attention to whether the agency is reliable to prevent being cheated.
3. Credit card repayment means that when the cardholder’s credit card reaches the final repayment date and the cardholder is unable to repay the full amount and does not want to pay the bank’s high interest, in order to maintain a good balance sheet Credit card repayment records, entrusting others to repay credit card bills on your behalf. The cardholder then withdraws the repayment amount by swiping the card for consumption and returns the funds to the repayer. In fact, for banks, credit card agency is still an illegal operation. Because later repayments to the repayer may involve cashing out. In addition, credit card payment will only increase the repayment pressure for people with poor self-control.
That’s it for the introduction of credit card repayment in Xi’an.