How to repay by credit card
Method 1: Repayment by a third-party payment platform
Different platforms and banks charge different fees.
advantages: the repayment methods are diverse and simple, and there is a large choice space;
Disadvantages: it may not arrive in time, and there is an account security problem; In addition, many third-party repayment methods do not support foreign currency repayment.
Method 2: Automatic Repayment
Generally, automatic repayment of credit cards is performed by binding a bank debit card and opening the automatic repayment function, so that the bank will automatically transfer the money from the debit card to the credit card account before the last repayment date of the credit card every month. Automatic repayment methods are divided into full repayment and minimum repayment, and cardholders can choose according to their own needs.
advantage: it can be repaid in time, and the cardholder does not need to worry about repayment every month.
Disadvantages: If the funds on the debit card are insufficient, the repayment will fail, and then various expenses will be incurred after the deadline.
method 3: online banking repayment
online banking repayment, the cardholder only needs to turn on the computer and log in to the bank account to repay. However, it should be noted that different repayment banks are selected, and the charging standards and the specific arrival time of the funds are different.
Advantages: simple and convenient, and repayment can be made only through computer network without going to the bank counter
Disadvantages: there are security problems such as password leakage and account theft; In addition, there is a certain handling fee
Method 4: Mobile repayment
Mobile repayment is divided into mobile banking repayment and telephone repayment. For repayment by mobile banking, as long as you have a full debit card, you can log in to mobile banking through your mobile phone, and then transfer money for peer or inter-bank credit cards. At present, the five major banks are exempt from handling fees for mobile banking transfers.
in addition, telephone repayment is to complete the repayment of credit cards by calling the customer service hotlines of various banks. However, when making telephone repayment, cardholders usually have to bind their debit cards at the bank counter first, otherwise the bank will not support telephone repayment.
advantages: repayment at any time is more convenient; Low risk;
Disadvantages: you need to open the mobile repayment function at the counter first;
method 5: repayment at outlets
repayment at the bank counter is the most conservative repayment method, and it can be received in real time. In addition to the second, there are also many cardholders who choose ATM machines for repayment. ATM machines are more convenient than counter repayment in time, and the control of the amount is not accurate enough. Generally, more cash should be deposited than the repayment amount. If it is an inter-bank repayment, not only must you pay a certain inter-bank transfer fee, but you can't get it in real time.
advantages: the most direct, safe and relatively timely.
Disadvantages: Time-consuming, energy-consuming, and limited by banking hours, outlets, etc. If it is an inter-bank repayment, not only must you pay a certain inter-bank transfer fee, but you can't get it in real time.
How to repay the credit card
1. Repayment at the bank counter: go to the counter of the issuing bank of the credit card and tell the bank teller that the credit card can be repaid, and cash needs to be prepared;
2. ATM repayment: sufficient cash needs to be prepared for the deposit operation at the ATM of the credit card issuing bank;
3. online banking repayment: find a savings card with rich balance and online banking, and transfer it to a credit card account for repayment by peers or inter-banks. The inter-bank transfer operation will deduct a little service fee;
4. repayment with associated savings card: generally, when applying for a credit card, the bank staff will ask if they can apply for a colleague's savings card, associate the savings card with the credit card, and set a deduction date. As long as the savings card has sufficient assets, the bank will automatically draw money from the savings card to repay the credit card every month, without worrying about overdue repayment of the credit card.
credit card repayment process
1. Credit cards can be consumed first and then repaid, and paid off before the repayment date. The billing date and repayment date of major banks are different. Generally, the repayment date of credit card is between 15 and 25 days after the billing date.
2. The credit card has been billed first, and then it has not been billed. The credit card bill is repaid in the order of interest, handling fee, other expenses, cash, installment consumption and ordinary consumption.
3. There are various repayment methods for credit cards. The common repayment methods are: branch repayment, ATM repayment, online banking repayment, mobile banking repayment and third-party software repayment.
how to repay by credit card?
you can use AliPay to repay your credit card. The following are the steps:
1. Open Alipay and click on the credit card to repay. As shown in the following figure:
2. Click on the credit card. As shown in the following figure:
3. Enter the amount to be repaid.
4. After entering the line, click to confirm the repayment. As shown in the following figure:
5. Pay immediately.
6. Enter the password.
7. repayment is completed. As shown in the following figure:
8. As shown in the figure.
how to repay by credit card?
You can make credit card repayment through the following channels:
1. Take charge of the bank: Please log in to the take charge of the bank APP, and click "Credit card → Repayment" on the home page, so that you can make credit card repayment by yourself or others. Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC.
2. online banking: please log in to personal online banking, and click "credit card → repayment → one-click repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of Agricultural Bank of China; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.
credit card repayment process
1. Credit cards can be consumed first and then repaid, and paid off before the repayment date. The billing date and repayment date of major banks are different. Generally, the repayment date of credit card is between 15 and 25 days after the billing date.
2. The credit card has been billed first, and then it has not been billed. The credit card bill is repaid in the order of interest, handling fee, other expenses, cash, installment consumption and ordinary consumption.
3. There are various repayment methods for credit cards. The common repayment methods are: branch repayment, ATM repayment, online banking repayment, mobile banking repayment and third-party software repayment.
how to pay back the money by credit card
(1) Pay back the money at the bank counter. After receiving the credit card bill, the cardholder carries cash to the counter of the issuing bank for repayment. The cardholder only needs to inform the staff that he wants to handle the credit card repayment business.
(2) repayment by ATM. The cardholder can make repayment by finding the ATM of the issuing bank and depositing cash into the credit card account.
(3) repayment through online banking. The cardholder logs into the online bank and transfers the repayment amount from the savings card to the credit card account. If the cardholder makes a peer transfer, there is no need to pay the transfer fee; If the cardholder makes an inter-bank transfer, he needs to pay the corresponding handling fee to the bank.
(3) make repayment through the mobile banking APP. The cardholder opens and logs into the mobile APP of the issuing bank, enters the credit card repayment interface, and follows the prompts in the interface to complete the credit card repayment.
(4) automatic repayment. The cardholder can open the automatic repayment service in the bank, bind the savings card with the credit card, and set the automatic repayment date (which must be before the final repayment date of the credit card). As long as there is enough money in the cardholder's savings card, the bank will automatically deduct money from the savings card and repay the credit card bill.
(5) repayment through payment software. Whether it is Alipay or WeChat, as long as the cardholder binds his credit card in the payment software, he can repay the credit card through the payment software.
It should be noted that the payment software has a free limit. If the repayment amount exceeds the free limit, the cardholder needs to pay the corresponding handling fee according to the excess amount.
how to repay by credit card?
credit card repayment methods are as follows.
1. You can go to the bank counter to make repayment and make manual repayment.
2. You can also go to the ATM self-service machine of the credit card issuing bank to make repayment.
3. You can also find a savings card with sufficient balance and online banking for online banking repayment.
4. AliPay has a credit card repayment function.
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This is the end of the introduction about how credit cards can be repaid and how credit cards can be repaid. Did you find the information you need?