There are several ways to repay credit cards and how to operate them

There are four ways to repay credit cards. The detailed steps are as follows:

1. Bundled debit card repayment

The bundled savings card means that when you apply for a credit card, it is bound to the bank's savings card. Most cardholders use it as a salary card. Then the last repayment date of the credit card is after the salary punch-in date, then the bank will automatically deduct the amount when the repayment comes. There is no need to remember the time. You only need to ensure that there is enough money in the debit card, and it also saves the money. Most of the time.

2. Online transfer through online banking

When using a credit card, you can open the online banking of the card-issuing bank, so you don’t have to worry about not being able to find the bank and not being able to pay. Just turn on your computer and log in to online banking, enter your password, and complete the repayment easily with a few clicks of the mouse, without paying any handling fees.

3. Third-party repayment

Most customers who choose third-party payment are inconvenient to repay their credit cards and do not want to go to banks from home to home, so they can download a repayment app for their mobile phones. With the payment software, you can complete the repayment business for free with just a swipe of your mobile phone. At present, there are Alipay wallets, as well as mobile life such as China Merchants Bank, or WeChat, now launched on mobile phones, which can also repay credit cards online.

4. Lakala Repayment

Customers who choose Lakala must be in a small number of banks and cannot find any bank branch option. For example, Citibank. There are only two banks in Beijing, and this is where Lakala comes in handy.

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 are returned to the bank.

Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Credit card online repayment is one of the main repayment methods for credit card repayments at the bank where the account is opened. Online repayment has become a common repayment method for the majority of credit card users.

1. For the payee account name, fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

How to pay off a credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

How to repay with a credit card

Credit card repayment Method:

1. Repay over the counter. Take the repayment funds to the bank counter for repayment.

2. Repay at self-service deposit and withdrawal machines. You can repay the money by depositing the funds into the repayment account.

3. The repayment account will be automatically deducted for repayment.

1. Things to note when using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.

3. Only by swiping your card frequently can you avoid the annual fee; only by paying back on time can you increase your credit limit

Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.

5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.

2. Reasons for rejection of credit card application:

1. Unclear personal credit report

It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.

2. The basic conditions are not up to standard

You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.

3. There are problems with the application materials

On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!

4. The overall credit score is low and average

Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.

There are several ways for you to choose how to repay credit card money

Credit card consumption greatly facilitates our lives, but remember to repay the money on time on the repayment date. So, how to pay off a credit card. With the rapid development of the Internet, we can not only choose traditional repayment methods, but also use more convenient and fast ways. Here are a few ways to introduce it to you.

1. In-bank repayment

In-bank repayment can be made through the counter of the card issuing bank, ATM, online banking, automatic transfer, telephone banking, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day. Under the premise that the repayment time is tight, it is recommended that cardholders try to use this method to avoid penalty interest and late fees. When transferring money through online banking, the cardholder needs to activate the online banking transfer function of the debit card to automatically transfer the money. The debit card transferred out and the credit card transferred in must be cards in the same name of the same bank, and the repayment is made through the bank at the same time. No handling fee.

2. Mobile phone repayment

Weiyintong pos mobile phone is a personal payment terminal of the mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. And your account will be credited instantly!

3. Online repayment

The more common online repayment methods include UnionPay Online, Kuaiqian, Tenpay, Alipay, WeChat, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different. In addition, each bank has its own APP, which generally supports credit card repayment.

4. Lakala

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store.

It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment and other methods.

How to repay with a credit card?

The credit card repayment methods are: 1. Repayment at an outlet. You can repay your credit card at the counter of the card issuing bank branch; 2. Repay at an ATM machine. You can make deposits or transfer repayments at ATM machines; 3. Online banking repayments. Log in to the card issuing bank's online banking to repay the credit card; 4. Mobile banking repayment. Log in to the card-issuing bank's mobile banking to repay the credit card.

The credit card repayment methods are:

1. Repayment at outlets. You can repay your credit card at the counter of the card-issuing bank branch;

2. Repay at an ATM machine. You can make deposits or transfer repayments at ATM machines;

3. Online banking repayments. Log in to the card issuing bank's online banking to repay the credit card;

4. Mobile banking repayment. Log in to the card issuing bank's mobile banking to repay the credit card;

5. Repay via third-party software. Alipay, WeChat, Duxiaoman Finance, Cloud QuickPass and other software have credit card repayment functions, which can repay credit cards;

6. Automatic repayment. You can link your debit card and credit card. After linking, the bank will automatically deduct the money from the debit card for repayment;

7. Repay over the phone. You can repay the credit card by calling the customer service number of the card-issuing bank and calling a manual. Generally, you need to open phone banking at the card-issuing bank to transfer in and out of the account.

1. Billing date and repayment date

Billing date: that is, the time when the current bill is generated. It is the card-issuing bank’s regular monthly review of various transactions that occurred in your credit card account in the current period. Fees, etc. will be summarized and settled, and interest will be calculated. Your total arrears for the current period and the minimum repayment amount will be calculated, and a date will be mailed to you for the statement.

Repayment date: the last date for interest-free repayment. Overdraft consumption interest will be calculated if it is overdue.

That’s it for the introduction of how to repay credit card consumption.