How to pay back ICBC's credit card withdrawal

How to repay ICBC's credit card

ICBC provides you with a variety of repayment methods. If you are in arrears with RMB, you can refer to any of the following repayment methods according to your personal situation:

1. ICBC e-Life, ICBC Rong e-Bank (mobile banking) and online banking will repay after logging in. When operating through the credit card repayment function, the payment accounts need to be: electronic banking accounts (including cards and current multi-currency passbooks) and online banking interconnected accounts that need to be registered at the counter.

2. Sign automatic repayment. You can sign up for automatic repayment through ICBC e Life, ICBC e Finance (mobile banking), online banking and telephone banking.

3. Self-service machines and business outlets deposit or transfer repayment.

4. Remittances and repayments from other banks and third-party payment institutions. Different banks and third-party institutions may receive repayment funds at different times. Please consult the transfer bank and the third-party payment institution for details.

(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )

How to pay back the credit card withdrawal?

Credit card withdrawal can be made through online banking repayment, ATM repayment, counter repayment and Alipay or WeChat repayment.

1. The cardholder inserts the card into the ATM of any bank, enters the password, enters the full late payment fee there, and automatically deducts the money.

If you don't have a credit card bill and don't know the exact amount, you'd better return it in one lump sum.

3. For the withdrawal of credit card, the bank starts to calculate from the day of withdrawal.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

How to repay after that?

Question 1: How to repay the loan afterwards? Withdrawal cannot be paid in installments, but only in installments. Moreover, although the withdrawal fee is exempted, the daily interest of 0.5% is still charged. Pay him back as soon as you have money, or you will pay him interest for nothing. 1000 yuan 50 minutes a day, 10 5 yuan, enough for a meal.

Repayment can be made directly to the bank counter and deposited in your card.

You can also establish a relationship with your deposit account, and he will directly withdraw it on the repayment date.

Or transfer money from another bank card, the transferor will have to pay the inter-bank handling fee.

Or deposit the corresponding amount of money in the credit card in advance to avoid paying interest to the bank.

I think it is more convenient for your family to deposit money directly into your account.

You can also charge your classmates with mobile phone fees as consumption, and the money given by your classmates can be deposited on this card as repayment. But this is just robbing Peter to pay Paul, and it will be paid back eventually.

Students should learn how to manage money, have a good consumption concept and control their own consumption desires.

Credit cards are the devil. Stay away from stocks and credit cards.

My classmates asked me why there was a repayment date.

Repayment date refers to the last repayment date of consumption, and overdue fines and interest will be charged.

Repayment date and bill date are different. Remember your repayment date and repay before this date. Whether it is consumption or cash withdrawal. Consumption can be delayed until the repayment date, and the withdrawal must be made as soon as possible, and the interest will be paid for one more day.

You can go to your online bank to check your repayment date, or you can call him and ask him when your repayment date is.

If you don't pay it back within the time limit, he will call for it. If it is not paid in two months, your credit card will be frozen and blacklisted in the national credit information system, which will affect your future credit. In the future, everything you buy will be affected when you borrow money to buy a house, a car and so on.

Now people actively use credit cards, not only for those worthless points, but also for the convenience of using money in the future.

Question 2: How to repay? 1, of course, about 20~50 days.

As long as it is not paid off in full, the interest is calculated according to the total consumption, so it is still calculated according to 4000.

3. It is compound interest, but it is compound interest on a monthly basis. For example, if the interest for one month is xx yuan, then the principal for the next month is 4000xx.

4. No, you can't apply for installment payment because it's not consumption. You must pay 10% of the arrears (that is, the minimum repayment amount) every month.

Fa will call for money. . . Then report the credit records to the central bank, and it will be more difficult for banks to handle (loans, credit card applications, etc.). ) later.

And it is illegal to reach a certain amount.

6, also 20~50 days. Different from cash withdrawal, these 20-50 days are interest-free repayment days.

Question 3: When will the landlord withdraw his credit card? There is no interest-free period, and interest is generated at 0.5‰ per day. Early repayment can reduce the generation of interest. If you don't know the specific billing date and repayment date, please call the bank credit card customer service. There are 25 days between the billing date and the repayment date. Please repay before the repayment date at the latest.

Question 4: How to repay after the repayment sequence:

Pay the interest and installment fee of the current bill first;

Repay the cash withdrawal amount on the current bill;

Then return the credit card cash installment, credit card loan principal and the principal after general consumption installment on the current bill;

Finally, pay the ordinary consumption on the current bill. If the current bill is paid off, there is still remaining repayment, and the withdrawal amount will not be paid.

Question 5: How can there be interest after withdrawal? Not only is there no interest-free period, but there is also a handling fee, which means that if you take it out for one minute and return it after one minute, there is a handling fee.

Question 6: After that, how to repay each handling fee 10 yuan, with interest of five ten thousandths per day? Repay according to your own financial situation. The sooner the better, after all, there is interest.

Question 7: How does China Industrial and Commercial Bank repay the loan? 50% is ok. There is no interest-free period for cash withdrawal, and the interest is 0.5 ‰ per day. Local ICBC is free of handling fees for cash withdrawal.

Pay back the principal and interest before the final repayment date, and confirm the billing date and the final repayment date of the credit card.

ICBC has set 20 groups of billing dates and final repayment dates. The default billing date is 1, and the final repayment date is 25th. If you want to change to another 19 group, you need to call to apply. The bookkeeping date is 1, and the final repayment date is 25 (fixed), that is,

Generate a bill 10. 1 and record the transactions during 9. 1-9.30. The final repayment date is the 25th day after10/,that is, 10.25.

A bill 1 1. 1 was generated, and the transactions during the period of 10. 10.3 1 were recorded. The final repayment date was the 25th day after 1 1.

Question 8: There are other expenses at the same time. How to make repayment more reasonable? Hello.

Credit card repayment order:

(1) For the unpaid part of the last bill, if the arrears in the last bill have not been paid off, all bills have been paid off until the due date of the last bill;

(2) In the case that the previous bill has been paid off, repay the arrears in the "unpaid bill" (which has not yet reached the current billing date) again, in the order of: expenses, accumulated interest, withdrawal of arrears, and consumption arrears;

③ The last bill has not been fully paid off, but after the last bill expires, the repayment at this time is the repayment of the arrears in the "unpaid bill", and the order is the same as ②.

Similarly, the current bill repayment after the bill is issued is regarded as the current bill repayment until the current bill is paid off or the due repayment date of the current bill is passed.

So your February 1 repayment is 1 bill (1.20), instead of1withdrawal on October 28th/.28, and the minimum repayment amount will not be affected.

If you don't understand, please ask. If you are satisfied, please adopt it.

Question 9: How does CCB repay the loan? You have to pay interest, which is calculated at the rate of 0.75% per day. Repayment can be transferred to the counter or online banking (don't transfer money across penalty interest, slow down) and directly deposited into the credit card. On that day, the bank will deduct money. You should save the interest together. If the repayment is made on the third day with a daily interest of 0.75%, you can deposit 1502.25 yuan. Don't worry about saving a few more dollars.

Question 10: how to pay back the credit card money after withdrawing cash? The sooner the better, because interest will be generated every day, which is not cost-effective. Of course, you can pay it back as stipulated in the bill.

I want to ask how to repay the ICBC credit card.

ICBC credit card repayment method is as follows:

1, wechat repayment:

(1) Open WeChat and click "My" in the lower right corner;

(2) Click "Payment"-"Credit Card Repayment";

(3) After entering, you can repay according to the prompt.

2. Alipay repayment:

(1) Open Alipay and click "More";

(2) Find "Credit Card Repayment" in the convenient life, and click Enter;

(3) Then click "Repay"-"Return Credit Card";

(4) Repay according to the prompts.

3.ATM repayment: