No matter what kind of repayment users make, they can make repayment before the specified time. After all, repayment a day earlier has little impact on individuals. Knowing the repayment date, users can prepare the amount to be repaid in advance, without worrying about whether it includes the day.
Now no matter what kind of repayment, as long as the user has overdue repayment, there will be a collection, and the overdue record will be uploaded to the credit information system, saved for 5 years after being credited, and will automatically disappear after 5 years. Poor credit information will affect personal loans.
If the repayment person has difficulty in repayment on the repayment date, he can use the repayment method provided by the platform, which generally requires the user to pay a certain handling fee. In addition, users can borrow money from friends around them, so that they can repay in time without any other influence.
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 will be returned to the bank.
Common credit card repayment methods in China mainly include the following categories (according to the cost level):
In-bank repayment:
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment:
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment:
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Network repayment:
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Inter-bank transfer:
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Counter channel:
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
Lacarra:
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.
Xinfutong:
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.