1. The methods for repaying credit cards without handling fees include: repayment through the card issuing bank, ATM machine repayment, Alipay repayment, etc.

2. The methods for free credit card repayment are:

1) Repay through the card issuing bank. For example, if your credit card is from Industrial and Commercial Bank of China, the cardholder can repay through ICBC's mobile banking, online banking, counter and other channels, all for free.

2) ATM machine repayment. Cardholders can insert their credit card into the ATM machine to deposit money and make repayments, and then repay as required according to the prompts. In this way, repayment is also free.

3) Repayment via UnionPay QuickPass. UnionPay is an App owned by UnionPay. Cardholders can use UnionPay to pay back their credit cards for free. As a unified APP in the banking industry, China UnionPay’s Cloud QuickPass APP is jointly developed, constructed, and maintained and operated by various commercial banks and UnionPay. The Cloud QuickPass APP supports one-click inquiry and payment of credit card bills of more than 150 banks. Fee repayment. Users only need to bind credit cards in the card management channel (up to 15 credit cards can be bound), click on the relevant card to query each transaction and the total repayment amount, and click on repay immediately to repay with zero handling fee. Most of the The bank supports same-day deposit or even real-time deposit.

4) Alipay repayment. On Alipay, each user has a free credit card repayment limit of 2,000 per month. When the cumulative repayment limit of the cardholder is less than 2,000, the card holder can repay the credit card for free.

5) Mobile banking transfer repayment. The mobile banking of major commercial banks is generally free of charge for intra-bank and inter-bank transfers, and cardholders can transfer funds to their credit cards for repayment.

6) Repay using the bank’s WeChat account: Each bank has opened an official WeChat account. If the cardholder binds the account, he or she can also use the quick repayment function of the credit card’s official WeChat account to repay. However, to use this channel to repay, the cardholder must have opened mobile banking, can only repay to his own bank, and the credit card must be bound to WeChat.

3. In addition, some third-party payment institutions still have "free lunches", but consumers need to pay attention to the latest charging information and relevant qualifications of the payment institutions when repaying.

Operating environment:

Mobile phone model: ELS-AN00

WeChat: 8.0.16

Alipay: 10.2.6.8200