If you want to pay in advance, you can deposit the money in your credit card. On the repayment date, the credit card will automatically deduct the money.

Maybe you only paid the minimum amount last time. For example, if you overdraw 10000 yuan, you only pay the minimum repayment amount 1000 yuan, and this 9000 yuan will generate interest. If you want to pay back all the 9000 yuan in advance, you can spend less interest and deposit it directly into your credit card.

The credit card will automatically record your deposit date, but the deposit must be before the bill date, so that you can pay it all back.

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1. Is prepayment by credit card a no-no?

If the user chooses to prepay before the bill is issued, it will only shorten the interest-free period of the credit card, which is not a big taboo.

After the credit card installment business, it is occasionally possible for users to choose to prepay, but banks often earn less fees through prepayment, so banks may think that users' loan demand is not great, thus reducing the credit line of credit cards.

For users, whether credit card prepayment is taboo depends on the situation, as long as it is not often repaid in advance, it will basically not have a negative impact.

Second, why not pay back the credit card debt in installments?

For credit card bill arrears, if you choose to apply for installment, in addition to repaying the principal, you also need to pay a certain installment fee. Therefore, although installment repayment can delay the repayment pressure, it is still more than paying off all before the repayment date (inclusive). Therefore, if you don't want to pay back more, don't choose staging.

However, if you don't mind going through some formalities and can't guarantee to pay off before the due repayment date (inclusive), you can choose to apply for installment. Of course, in addition to installment repayment, you can also choose the minimum repayment amount, but after the minimum repayment amount, you will not be able to enjoy the interest-free period, and you will also generate circulating interest, which will be charged at the rate of five ten thousandths every day until the cardholder pays off all the money, and the interest will be compounded monthly.

We also need to note that after the installment is selected, although the installment will not be returned until next month, there will still be some outstanding bills that still need to be returned before the repayment date of that month (including).

Can I withdraw money from my credit card for repayment?

You can withdraw cash by credit card, and you can pay back the credit card directly. If your credit card is associated with an automatic repayment account, it can also be deposited in the repayment account and other banks, and will be automatically deducted when it expires.

After the credit card is cashed out, you can deposit or transfer money through ATM. Of course, you can also repay credit cards through third-party platforms such as WeChat or Alipay. However, it should be noted that credit card withdrawal is not interest-free, and the bank will calculate the interest at five ten thousandths, so the interest will be returned together when the repayment is due.

Credit card repayment method:

1. repayment at the bank counter: go to the bank counter and give your credit card and cash to the teller and explain to him that you want to return the credit card. The teller will handle it for you.

Advantages: It doesn't need too many operations, as long as you can find the issuing bank, you can get the account immediately.

Disadvantages: Tired of running around, if the issuing bank is far away from you, it is very hard every month.

2. Automatic deposit machine repayment: The bank is closed and your credit card has not been returned. What should I do? Go to an automatic deposit machine where you can deposit money, insert your credit card into the deposit machine, click Deposit, put your money in the bill entrance, and pay back according to the prompts.

Advantages: Even if the bank is closed, it can still repay the loan and open 24 hours a day. Received immediately.

Disadvantages: It often happens that RMB is spit out by the deposit machine after being folded. Sometimes it has to be repeated many times. Tired of running, find a card issuer with a deposit machine.

3. Online banking repayment: log in to the online banking of your issuing bank and repay the credit card with a savings card. Cross-industry is certainly possible, but there is a handling fee.

Advantages: Credit card repayment can be made without leaving home. Received immediately.

Disadvantages: complicated operation. There will be a handling fee for cross-bank repayment. Although online banking has introduced many security measures, there are still many friends who don't like to open online banking. Afraid of insecurity.

4. Repayment on the third-party payment platform on the mobile phone: Credit card repayment can also be made through the mobile phone.

Advantages: repayment anytime and anywhere. There are preferential activities from time to time.

Credit card repayment time

The credit card will bill once a month, and the user is not required to repay after the bill is issued, so the credit card will repay once a month. However, in the process of using the credit card, some users will choose to prepay and prepay the amount, so users do not need to repay again. Credit card repayment can choose full repayment, minimum repayment and installment repayment, and different repayment methods have different charging rules.

If you want to use a credit card interest-free, you must choose full repayment. If you have insufficient repayment ability, you can choose the minimum repayment amount or installment repayment.

How to pay the credit card in cash?

Take the cash and credit card and return it at the bank counter.

Use a credit card and deposit it in an ATM.

Call the bank customer service and ask if there is any other way.

Off-topic:

Credit card interest is a bit high. Generally, people who have less money or are unwilling to pay interest choose to pay in full before the final repayment date of the bill. This way, you can enjoy the interest-free period ranging from 20 to 60 days given by the bank. Other repayment methods need to pay interest, 5 yuan per day for every 10,000 yuan, calculated with compound interest.

Thank you for your questions.

Hope to adopt

How to repay ICBC's credit card (debit card) after cash withdrawal?

1. Counter repayment at outlets: cardholders bring their ID cards and cards to ICBC outlets to apply for credit card (debit card) repayment.

2.ATM repayment: the cardholder can complete the repayment by bringing credit card (debit card) and cash to the ATM deposit of any bank.

3. Transfer repayment: Cardholders can use other savings cards or third-party tools such as Alipay and WeChat to transfer money to credit cards (debit cards) that need repayment.

4. ICBC Credit Card (Credit Card) APP Repayment: When the bill comes out, you can click on my bill from ICBC Credit Card (Credit Card) APP to repay directly.

How to repay Huaxia bank's credit card

In general, Huaxia Bank's credit card repayment methods are diversified, and there are the following options:

1. Cash repayment: There are two ways of cash repayment, but both of them take a credit card to the bank for repayment. One is to go to the bank counter to repay the loan, but if someone queues up to handle the business, it will be more troublesome and need to wait; Another way is to repay the money at the ATM machine, and there is no handling fee;

2. Online banking repayment: If you open the online banking of the issuing bank, you don't have to worry about not being able to find a bank and not paying the money. Just turn on the computer and log in to the online banking, enter the password and click the mouse to easily complete the repayment without paying any handling fee.

3. Reimbursement by a third party; At present, many third-party payment platforms support credit card repayment, and you can also set the repayment date to remind repayment;

4. Binding Bank Card Repayment: Bind your salary card or savings card (preferably from the same bank) with the credit card, and automatically deduct the money on the repayment date, without worrying about forgetting the repayment time, but only if the bank card has enough money.

5. Repayment in Lacarra: Large supermarkets and shopping malls near work can be seen everywhere. Lacarra cooperates with more than 20 banks. Under normal circumstances, 2 yuan/pen handling fee will be charged.

It is suggested to bind Huaxia Bank's savings card for repayment. Not only do you not need to pay any handling fee, but you will also automatically deduct money when it expires every month. Don't worry too much. Of course, the premise is that the amount in the savings card is enough to repay.