How to repay Bank of Communications credit card
1. Automatic repayment
2. Online banking repayment
3. Telephone banking
4. Bank of Communications ATM transfer repayment
5. Inter-bank ATM transfer repayment
6. Self-service deposit machine repayment
7. Repayment at more than 1,000 business outlets across the country
Credit card repayment methods
The methods within the issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, and telephone banking repayment 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.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is 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.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
Bank of Communications credit card repayment guide
Credit card repayment means that the cardholder will pay back the amount spent within the 56-day repayment period after the card is used. What are the ways to repay using a Bank of Communications credit card? Are there any basic things you need to pay attention to during rest?
1. Basic rules for repayment of Bank of Communications credit cards
2. Repayment methods of Bank of Communications credit cards
Basic rules for repayment of Bank of Communications credit cards
1. Bank of Communications credit card repayment date
The Bank of Communications credit card repayment due date is 25 days after the statement date. For example, the bill date is the 10th of each month, and the payment due date is the 5th of the next month.
The interest-free repayment period starts from the statement date to the due repayment date. The longest interest-free period for Bank of Communications credit cards is 56 days and the shortest is 25 days. The length of the interest-free period varies depending on the date on which the card is swiped. The longest interest-free period can be enjoyed by spending the day after the bill date.
For example, if your bill date is the 10th of each month, then the 25th day after the bill date is the due date for repayment. If you consume on May 10, the bill will be issued on that day and the repayment will be due on the 10th day of the month. The date is May 25th, and the interest-free period is only 25 days (May 10th to May 25th); if you consume on July 11th, the bill will be issued on August 10th, and your last repayment date is 9th The interest-free period is 56 days (July 11-September 5).
2. Minimum repayment amount of Bank of Communications credit card
The minimum repayment amount refers to the cardholder who has difficulty repaying all the amount payable before the due payment date (inclusive). You can repay according to the minimum repayment amount stipulated by the card issuing bank, but you cannot enjoy the interest-free repayment period. The minimum repayment amount is 10% of the consumption amount plus other various payables. The minimum payment is listed on the current bill.
How is the minimum repayment amount of Bank of Communications credit card calculated?
The calculation formula of the minimum repayment amount is as follows:
The minimum repayment amount = 10 general consumption balance 10 cash withdrawal balance interest balance installment consumption balance other payable expenses balance the minimum repayment amount of the previous period has not been Still partially.
Bank of Communications credit card repayment methods
1. Bank of Communications credit card repayment methods—automatic repayment by our debit card
You can use this You can enjoy the automatic repayment function of your credit card by completing the automatic repayment procedure with your bank's debit card.
2. Bank of Communications credit card repayment method - online payment platform repayment
You can log in to some online payment platforms such as Yuanqian, Tenpay, Alipay, etc. to make repayments. payment.
3. Bank of Communications credit card repayment method - UnionPay ATM machine repayment
You can also make transfer repayment at an ATM machine with a UnionPay sign.
4. Bank of Communications credit card repayment methods - repayment at other terminals
You can make quick repayments at some automatic terminals approved by Bank of Communications, such as Lakala.
How to repay multiple Bank of Communications credit cards? These methods are free
Bank of Communications credit cards are very rich, each with its own unique rights and interests. For this reason, many cardholders have applied for multiple Bank of Communications credit cards and started to worry when repaying the loan, because more than A card has consumption. So, how to repay multiple Bank of Communications credit cards? Let’s take a look below.
How to repay multiple Bank of Communications credit cards?
Although Bank of Communications has multiple credit card limits, the accounts are independent. Each card will issue a separate bill after consumption, which requires everyone to remember the amount of repayment for each card. Then repay the amount to the corresponding credit card. If you repay it to another card, it may be overdue.
One thing to note here is that if you apply for a primary card and an additional card, the account after using the additional card will be credited to the corresponding primary card, and you only need to repay the money to the primary card account. Yes, supplementary cards do not need to be repaid separately.
By the way, we will introduce several free repayment methods for Bank of Communications credit cards
1. Repayment on the Payout Bar APP: It supports binding debit cards of multiple banks, and then transfers to Bank of Communications credit card repayment, in addition to zero handling fees, can also be credited quickly;
2. Automatic repayment by binding a card: You can bind a Bank of Communications credit card to a Bank of Communications or other bank debit card and activate automatic repayment. With the repayment function, the system will automatically deduct the payment every time the repayment date comes. As long as you make sure there is enough money in the debit card, you don’t have to worry about forgetting to repay.
3. Repayment through other bank channels: Commonly used mobile banking and cloud QuickPass APPs of various banks are all available for free repayment, and can be credited to the account in real time as soon as possible.
The above is the relevant introduction to "How to repay multiple Bank of Communications credit cards". I hope it will be helpful to everyone.
Bank of Communications credit card repayment methods: There are six repayment methods for you to choose from
Bank of Communications credit cards have always been relatively easy to apply for. There were also many people applying for Bank of Communications credit cards in 2017. For Bank of Communications You may not be fully aware of credit card repayment methods. Bank of Communications provides a variety of repayment methods, which are listed here in detail.
2017 Bank of Communications credit card repayment method 1: online banking repayment
Cardholders go through the self-service repayment signing procedures, log in to the official website of Bank of Communications - Credit Card Business - Credit Card Login, enter the credit and After checking the password and making online repayment, you can repay the RMB and U.S. dollar balances in your credit card through other Bank of Communications cards.
2017 Bank of Communications credit card repayment method two: automatic repayment
You only need to check the "Automatic transfer authorization" field when filling in the Bank of Communications credit card application form and provide the corresponding Repayment account number; or go to the Bank of Communications branch in the city where the Bank of Communications debit card that you need to bind is originally issued to go through the automatic repayment activation procedures. Then you can bind the associated credit card account, and it will be repaid automatically on the due repayment date. Credit card balances in RMB and US dollars.
2017 Bank of Communications credit card repayment method three: Telephone banking
Apply for a Bank of Communications debit card and open the self-service repayment signing procedure, and then call the Bank of Communications credit card customer service hotline 400-800-9888 , you can submit a credit card repayment application.
2017 Bank of Communications credit card repayment method four: inter-bank ATM transfer repayment
Bank of Communications credit card holders hold debit cards from other banks that have activated the ATM card transfer function at the ATM. Repay your credit card via transfer directly on board.
2017 Bank of Communications credit card repayment method five: Bank of Communications ATM transfer repayment
Bank of Communications credit card users can use Bank of Communications debit cards at ATMs at designated outlets within Bank of Communications. Complete the repayment by transferring the payment from the Bank of Communications debit card to the credit card.
2017 Bank of Communications credit card repayment method six: repayment at business outlets
Bank of Communications credit card users can use their credit cards to repay the money when due at any Bank of Communications outlet in cash. Repay your RMB debt. If you use RMB to purchase foreign exchange to repay the U.S. dollar debt, you will also need to bring your monthly statement and ID card.
How to repay a Bank of Communications credit card? What is the general repayment date?
Bank of Communications credit cards can be repaid through inter-bank repayment and within-bank repayment. The repayment date is the 25th day from the statement date.
Bank of Communications credit card repayment:
1. Inter-bank repayment
①Inter-bank automatic repayment
On the agreed repayment date On the same day, initiated by the Bank of Communications Pacific Credit Card Center, a third-party payment company was used to deduct money from the debit card of other banks signed by the customer and return it to the credit card.
②Inter-bank self-service repayment
Customers log in to the registered version of online banking or mobile banking, and provide the debit card of another bank under their own name to apply for the inter-bank self-service repayment service. After signing the contract, they can Initiate a repayment request at any time through the Bank of Communications' registered version of online banking or mobile banking. According to the customer's repayment request, the Bank of Communications Pacific Credit Card Center deducts the money from the debit card of other banks contracted with it through a third-party payment company and repays it. Enter the credit card
2. Repayment by the Bank
①Automatic repayment by the Bank
When signing up for automatic repayment by the Bank and choosing the deduction method, customers can choose "Deduction on the due payment date" or "Double deduction".
②Our bank’s self-service repayment
Customers can log in to the registered version of mobile banking, or call the customer service hotline, and use our bank’s debit card to sign up for our bank’s self-service repayment.
Since July 17, 2016, Bank of Communications has adjusted the due repayment date rules for all Bank of Communications Pacific credit cards, that is, the due repayment date is the 25th day from the original bill date. is a fixed date.
Extended information
The adjusted specific repayment due date for Bank of Communications users will be based on the date recorded on the first bill generated after July 17, 2016, and this date It will be the fixed due repayment date for the user's corresponding card.
If the billing date of subsequent users changes, the corresponding due repayment date will be adjusted together. The new due repayment date shall be based on the date recorded on the first bill generated after the adjustment. After the adjustment, the interest-free repayment period for users can still be up to 56 days.
Warm reminder:
A credit card account can only sign up for one automatic repayment service. The same account cannot sign up for the bank's automatic repayment service and the inter-bank automatic repayment service at the same time. If you need to sign up for a new automatic repayment service, you must cancel the existing automatic repayment service.