1. How to repay credit card

1. Transfer within the same bank. This repayment method mainly includes: card issuing counter, ATM, online banking, Automatic transfer, telephone banking repayment, etc., the credit card limit will be restored immediately after repayment. Under normal circumstances, repayment can be caused after the system processes it on the same day. This repayment method is also very simple.

2. For mobile repayment, cardholders can use the APP of the card-issuing bank to not only repay the loan directly, but also perform transfers and other services. It is more convenient to use.

3. Online repayment is relatively convenient, including online wallet, UnionPay online, Alipay, etc. Different platforms and banks have different charging standards and specific arrival times, and the specific situation depends on the actual situation of the cardholder.

2. How to apply for cancellation of credit card

If the cardholder needs to cancel the bank credit card, the customer can call the service hotline to apply for cancellation to the customer service staff, or they can also apply online in the bank credit card app Customer service applies to cancel the card.

If there is a bank offline branch nearby, the cardholder can also bring his or her personal ID card and identity card to the counter of the branch to cancel the card. There is no charge for canceling a credit card, but cardholders should note that before applying to cancel a credit card, they still need to pay off the balance on the card and withdraw the excess money.

Once the card is successfully canceled, it will not take effect immediately, but it will not be usable. The bank will check whether there are new accounts payable 45 days after cancellation. Of course, if there are no accounts payable or excess deposits within 45 days, the account will be automatically canceled without the customer's initiative.

3. How to apply for a credit card online

2. Apply via WeChat or Alipay, follow the bank’s official public account, find the credit card application button in the menu bar at the bottom of the page, and then select to apply If you need credit, submit relevant information and wait for approval by the bank.

Different banks have different review times, but most banks can complete the review in about 30-45 days.

Having said so much, everyone has a clearer understanding of how to repay credit cards. I still recommend that when using credit cards, you must proactively repay the amount and date to avoid defaults and affect your personal credit. .

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.