Many card friends have set up several credit cards in the same bank. Pay attention to repayment, and know whether to repay by account or by card. Repayment by card is easy to understand, that is, which card will be returned after consumption, so what does it mean to repay by household? Let's have a look.

1. What do you mean by paying by credit card?

Although many banks issue credit cards, they can be roughly divided into two types according to repayment methods, one is a bank that repays by card, and the other is a bank that repays by households.

1. A bank that repays by card refers to multiple credit cards under the same account. Each card account is independent, with independent billing date and repayment date, and it is reported separately. Which card this kind of bank consumes must be repaid in the same card; If it is returned to another credit card account in your name, it will be overdue.

2. The bank that repays by household refers to multiple credit cards under the same account. The repayment date and billing date are the same day, and all credit card purchases are billed on the same day. When you repay, you don't have to return it to the card you have already spent, but you can return it to other credit cards casually, which is considered as normal repayment and will not be overdue.

2. Which bank credit cards pay by account?

There are still relatively few bank credit cards for repayment by households, and most of them are repaid by cards.

After combing 17 banks, it is found that only the credit cards of China Merchants Bank, Minsheng Bank, Ping An Bank, Huaxia Bank, Bank of Beijing, Bank of Shanghai and other banks are repaid by households.

Finally, I would like to remind you that although the credit card repaid at home is overdue, you don't have to worry about returning the wrong card, but you must repay it in full on the last repayment date, otherwise the repayment will not arrive in time or the repayment amount will be lower than the minimum repayment amount, which will also be overdue.