How to repay credit card repayments

There are various repayment methods for credit cards. The following are several common repayment methods:

1. Bundled savings Card repayment is the most convenient. When applying for a credit card, it is bound to the bank's savings card. The bank will automatically deduct the amount when the payment is made. There is no need to go to the bank to transfer funds manually, which is convenient.

2. Transfer money via online banking first, which is safe. Open the card-issuing bank's online banking, log in to the online banking, enter the password, and you can complete the repayment without any handling fees.

3. Third-party repayment is convenient. Alipay wallet currently supports credit card repayments from more than 30 banks, and you can set a "repayment reminder date".

4. Lakala repayment. There are relatively few credit card outlets, but there is a handling fee for repayment, which is 2 yuan/transaction. Three repayment methods for credit cards

1. Full repayment: After the bill comes out, pay it off in one go. This is the best repayment method, but the funds required are also quite large. If the bill amount is 100,000, then 100,000 funds are needed to pay it back. There are actually two repayment modes for full repayment, one is the one-time repayment mentioned above, and the other is

multiple cumulative full repayments. The bank does not force a one-time repayment. We can repay it in multiple installments, as long as we repay the total amount of the bill before the final repayment date. For example, if the current bill is 10,000 yuan, we can repay 1,000 yuan at a time and 10 yuan. times, that’s enough for 10,000 yuan.

2. Installment repayment: After the bill is issued on the bill day, the current bill will be repaid in installments. Generally, it can be divided into 3/6/9/12/18/24 installments. This method Relatively speaking, the repayment pressure is relatively small, but you will have to bear a certain installment fee.

There is also a minimum repayment amount: every bank will give you a minimum repayment amount (10% of the current bill) when it issues a bill. This method is also the least cost-effective repayment method. , if the bill amount is large, high interest charges will be paid. The minimum repayment means spending more money to ensure your credit score, but it will only cost you a little more interest.

Small expansion: Billing date and repayment date

Billing day: The billing day is the day when the bank settles the bill. The bank's billing day is determined based on the application time. The billing day is on This billing date has already been set when approving the credit card. You can call the bank to modify the billing date after the card is activated.

Last repayment date: Normally, the last repayment date is 20 days after the statement date, but some banks have prescribed final repayment dates. They are all around 20 days, so there won’t be much difference.

10% fund repayment method:

1. When the bill comes out, it can be operated from the 3rd. The total bill amount is 10,000 yuan, so there are 1,000 You can repay it in just one block.

Repay 1,000 yuan on the morning of the 2nd and 3rd to restore the 1,000 yuan limit. After three hours, 400 will be credited, and after another three hours, 600 will be credited. At the same time, the 1,000 yuan will be paid back. . (2,000 yuan has been repaid in one day) 3. Use this method to swipe the card every day, and the repayment will be completed when the cumulative repayment is 10,000 yuan.

Attention! ! !

1. The repayment amount, card swiping amount, and card swiping interval of the above methods are just examples. The actual situation depends on individual circumstances and is not suitable for complete imitation. (Of course, the more reserved credit, the better)

2. Note that the above credit card amount is only an integer for easy calculation. Do not use an integer when actually swiping the card.

3. Please manage your credit card effectively and avoid overdue payment.

How to repay with a credit card?

The credit card repayment methods are: 1. Repayment at an outlet. You can repay your credit card at the counter of the card issuing bank branch; 2. Repay at an ATM machine. You can make deposits or transfer repayments at ATM machines; 3. Online banking repayments. Log in to the card issuing bank's online banking to repay the credit card; 4. Mobile banking repayment. Log in to the card-issuing bank's mobile banking to repay the credit card.

The credit card repayment methods are:

1. Repayment at outlets. You can repay your credit card at the counter of the card-issuing bank branch;

2. Repay at an ATM machine. You can make deposits or transfer repayments at ATM machines;

3. Online banking repayments.

Log in to the card issuing bank's online banking to repay the credit card;

4. Mobile banking repayment. Log in to the card issuing bank's mobile banking to repay the credit card;

5. Repay via third-party software. Alipay, WeChat, Duxiaoman Finance, Cloud QuickPass and other software have credit card repayment functions, which can repay credit cards;

6. Automatic repayment. You can link your debit card and credit card. After linking, the bank will automatically deduct the money from the debit card for repayment;

7. Repay over the phone. You can repay the credit card by calling the customer service number of the card-issuing bank and then calling a manual. Generally, you need to open phone banking at the card-issuing bank to transfer in and out of the account.

1. Billing date and repayment date

Billing date: that is, the time when the current bill is generated. It is the card-issuing bank’s regular monthly review of various transactions that occurred in your credit card account in the current period. Fees, etc. will be summarized and settled, and interest will be calculated. Your total arrears for the current period and the minimum repayment amount will be calculated, and a date will be mailed to you for the statement.

Repayment date: the last date for interest-free repayment. Overdraft consumption interest will be calculated if it is overdue.

How to repay by credit card

Method 1: Repay via third-party payment platform

Different platforms and different banks have different charges.

Advantages: Various and simple repayment methods, with a large space for choice;

Disadvantages: The account may not be received in time, and there are account security issues; in addition, many third-party repayment methods Foreign currency repayment is not supported.

Method 2: Automatic repayment

Automatic repayment of credit cards is generally done by binding a bank debit card and activating the automatic repayment function, so that on the last credit card repayment date of each month Previously, banks would automatically transfer money from debit cards to credit card accounts. There are two automatic repayment methods: full repayment and minimum repayment. Cardholders can choose according to their own needs.

Advantages: Timely repayment is possible, and cardholders do not need to worry about repayment every month.

Disadvantages: If there are insufficient funds on the debit card, the repayment will fail and various overdue fees will be incurred.

Method 3: Online banking repayment

For 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 have different charging standards and specific payment arrival times.

Advantages: Simple and hassle-free, no need to go to the bank counter, only a computer network is needed to repay the loan

Disadvantages: There are security issues such as password leakage and account theft; in addition, there is a charge A certain handling fee

Method 4: Mobile repayment

Mobile repayment is divided into mobile banking repayment and telephone repayment. For mobile banking repayment, as long as you make sure you have a debit card with sufficient balance, you can log in to mobile banking via your mobile phone and transfer funds to credit cards of the same person or across banks. Currently, mobile banking transfers from the five major banks are free of fees.

In addition, telephone repayment is completed by calling the customer service hotline of each bank to complete the repayment of the credit card. However, when making a phone repayment, cardholders usually have to go to the bank counter to bind their debit card, otherwise the bank does not support the phone repayment method.

Advantages: Repay at any time, more convenient; low risk;

Disadvantages: You need to activate the mobile repayment function at the counter first;

Method 5: Repay at an outlet Repayment

Going to the bank counter to repay is the most conservative method of repayment, and it can be credited to your account in real time. In addition to this, many cardholders also choose ATM machines to repay. ATMs are more convenient than counter repayments in terms of time, but the control of the amount is less accurate than counter repayments. Generally, more cash needs to be deposited than the repayment amount. If the repayment is made across banks, not only do you have to pay a certain inter-bank transfer fee, but you also cannot receive it in real time.

Advantages: The most direct, safe and relatively timely.

Disadvantages: time-consuming, energy-consuming, and subject to many restrictions on bank business hours, branches, etc. If the repayment is made across banks, not only do you have to pay a certain inter-bank transfer fee, but you also cannot receive it in real time.

There are several ways to repay credit cards, how to operate them

There are four ways to repay credit cards. The detailed steps are as follows:

1. Bundled debit card repayment

The bundled savings card means that when you apply for a credit card, it is bound to the bank's savings card. Most cardholders use it as a salary card.

Then the last repayment date of the credit card is after the salary punch-in date, then the bank will automatically deduct the amount when the repayment comes. There is no need to remember the time. You only need to ensure that there is enough money in the debit card, and it also saves the money. Most of the time.

2. Online transfer through online banking

When using a credit card, you can open the online banking of the card-issuing bank, so you don’t have to worry about not being able to find the bank and not being able to pay. Just turn on your computer and log in to online banking, enter your password, and complete the repayment easily with a few clicks of the mouse, without paying any handling fees.

3. Third-party repayment

Most customers who choose third-party payment are inconvenient to repay their credit cards and do not want to go to banks from home to home, so they can download a repayment app for their mobile phones. With the payment software, you can complete the repayment business for free with just a swipe of your mobile phone. At present, there are Alipay wallets, as well as mobile life such as China Merchants Bank, or WeChat, now launched on mobile phones, which can also repay credit cards online.

4. Lakala Repayment

Customers who choose Lakala must be in a small number of banks and cannot find any bank branch option. For example, Citibank. There are only two banks in Beijing, and this is where Lakala comes in handy.

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 are returned to the bank.

Inter-bank transfers/remittances and repayments are 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.

Credit card online repayment is one of the main repayment methods for credit card repayments at the bank where the account is opened. Online repayment has become a common repayment method for the majority of credit card users.

1. For the payee account name, fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account number: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

How to pay off a credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

That’s it for the introduction of credit card repayment methods.