Now many people are using "repayment" to pay back their credit cards. Repayment is actually a loan service provided to users when they encounter financial difficulties and cannot return their credit cards.

Users can apply for a loan by themselves, pay back the credit card first, and then pay back the loan in accordance with the regulations later.

Then, since it is a loan, users must be more concerned about the repayment of the loan.

At present, the repayment method of equal principal and interest is adopted. After the user applies for a loan, the loan can be divided into three repayment periods of 3/6/ 12, and the loan can be repaid in installments. The repayment amount is the same every month, and the specific amount will be displayed on the page.

After the installment repayment is successful, users mainly support two repayment methods: active repayment and automatic repayment. The specific repayment steps are as follows:

1, automatic repayment:

Users can bind their own bank cards when opening repayment, and then ensure that there is enough repayment amount in the bank cards on the following monthly repayment date, so the repayment will automatically deduct the funds in the bank cards for repayment on the repayment date.

2. Active repayment:

Users can log in to the repayment APP on the repayment date, then enter their own repayment account, click on the repayment of the money they want to repay, and then follow Xiyong's instructions to make the repayment successful.

In addition to the above repayment methods, users can also make early repayment after the fund turnover is opened, which supports users to make early repayment.

However, prepayment will not reduce the interest expense, and it will not be very cost-effective for users to prepay, so users can consider the operation clearly when preparing for prepayment.

In addition, users need to pay attention to the fact that when making repayment, no matter how it is repaid, as long as it involves the transaction of bank cards, they must ensure that their bank cards are in a normal state, and the bank cards cannot be in a state of loss reporting or freezing, otherwise the repayment will fail.

Therefore, if the user is not careful, it is possible that the transaction will fail, resulting in overdue repayment by the user.