What are the ways to repay a loan through a credit card?

1. Over-the-counter cash repayment (no handling fee, poor convenience, general scope of application) is similar to over-the-counter cash repayment in the form of ATM deposit repayment, but cardholders must understand it first Whether the ATM machine supports credit card repayment, you also need to know which bank the ATM machine belongs to and whether it supports deposits with the bank card you hold. 2. Automatic repayment of our salary card (no handling fee, very convenient, narrow scope of application). For example, if someone receives salary through China Merchants Bank and also holds a credit card from China Merchants Bank, then he can apply for a credit card With an automatic repayment agreement, the bank will automatically deduct the outstanding amount from the salary card every time the final repayment date comes. This not only eliminates the need to queue up at the bank, but also avoids the possibility of paying large amounts of interest due to underpayment. 3. Online banking and Alipay transfer repayment (the handling fees are lower, more convenient, and have a wide range of applications). PCs are extremely popular, and online repayment has become one of the most commonly used methods. Among them, online banking repayment is certainly used a lot. , efficient third-party repayment platforms such as UnionPay Online and Alipay are also well known to everyone, but they differ in the banks they support and the specific repayment operations, so you need to look carefully before using them. 4. Self-service repayment at convenience stores (the handling fee is not necessarily lower, more convenient, and has a wide range of applications). There are self-service repayment tools in some convenience stores and communities in first-tier cities. Its functions are similar to online inter-bank repayment. No need to You can use it by opening the online payment function, and the security is also good. It is also a good repayment method for many older cardholders and some people who do not have access to the Internet. This method is represented by Xinpaytong and Lakala. Shenzhen Development Bank has also launched similar "Easy Home Repayment" cross-border repayment machine. 5. Repayment of mobile payment products (the handling fee is extremely low, very convenient, and has a wide range of applications). When it comes to convenient credit card repayment methods, naturally we cannot ignore the mobile phone that is always around us. In fact, as long as the mobile phone is equipped with a special external device, You can turn your mobile phone into an ATM machine that operates instantly, and of course you can easily complete credit card repayments within or between banks. 6. Telephone banking repayment (no handling fee, more convenient, general scope of application) Some banks have opened telephone banking repayment services. If you already have a current account with the bank and have opened telephone banking transfer services, you need to call the fixed number. Customer service hotline to complete the repayment.

How to repay a credit card loan

How to repay a credit card loan

How to repay a credit card loan and Alipay payment are already familiar to people who love online shopping. People have become accustomed to this convenient payment method and regard Alipay repayment as their first choice for credit card repayment. Here are various ways to repay a credit card loan.

How to repay a credit card loan 1

1. Bind a savings card for automatic deduction

Many credit card issuing banks now provide automatic repayment services. In other words, If you have a savings card from this bank, as long as you set up automatic deduction, the bank will automatically deduct the payment when the credit card is about to expire. But the premise is that there must be money in the savings card. If the amount of funds in the card is too small and not enough to be deducted, it will be very troublesome when it becomes overdue.

2. Online banking transfer repayment

You can log in to your personal online banking or credit card website, and with just a few clicks of the mouse, you can not only repay your own credit card, but also repay for others. Repayment. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to recognize the website address every time you log in, and do not set a simple password. If the password is leaked, there is a risk that the account will be stolen.

3. Mobile banking repayment

Mobile banking repayment is currently the most popular credit card repayment method among young people. As long as you install the bank client on your mobile phone, you can make repayment no matter where you are. You can easily repay anytime and anywhere at the touch of a finger. Since credit card repayment is a fund transfer business, for the safety of funds, you need to activate the advanced version of mobile banking.

It should be noted that mobile phones can be operated in various situations. You must pay attention to the protection of passwords and the safekeeping of mobile phones.

Once your mobile phone is lost, you must immediately report the loss to the mobile operator and cancel the mobile banking service.

4. Alipay repayment

Alipay payment is already familiar to those who love online shopping. Many people have become accustomed to this convenient payment method and will also pay Alipay. The first choice for credit card repayments. In addition, Alipay promises that repayment will arrive within 2 hours, but three conditions must be met: first, the repayment must be made by mobile phone transfer, second, the repayment amount is less than RMB 50,000, and third, the transfer and repayment time must be within bank service hours.

5. WeChat repayment

Currently, there are two ways to repay WeChat credit cards: jump to online banking, mobile banking to handle credit card repayments, or use the bank’s WeChat official account to chat on WeChat to make repayments. payment. It should be noted that WeChat can only repay credit cards directly through the bound debit card. In addition, there is no handling fee for using WeChat to repay, the single and daily limit are 20,000 yuan, and the monthly limit is 50,000 yuan.

6. Online repayment with credit card management APP

The advantage of using Kanniu credit card management APP for online repayment is that you can check the bill date and repayment due date with just one mobile software. , the total amount of repayment due in the current period, the minimum repayment amount and other basic personal account information - repayment reminder - supports online repayment, which can be completed in just a few steps, without having to jump back and forth on the mobile phone interface, check the credit card balance, and check the credit card balance whenever the bill is issued When there are decimal points, you need to memorize them carefully, and then go to another software or platform to choose repayment.

7. Repayment at the counter or ATM machine

At present, very few people use this repayment method. It is generally used by elderly or conservative people. . It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount shall be an integral multiple of 100. The single transaction limit is the same as the existing UnionPay ATM cash withdrawal transaction limit of the transferring bank, and the maximum daily limit shall not exceed 20,000 yuan, and the handling fee will be deducted from the transfer card.

8. Convenience store Lakala repayment

Lakala repayment is a convenient credit card repayment service. At present, Lakala convenience payment points have grown to nearly 90 cities across the country, with the number exceeding 30,000. They can be found in convenience stores, supermarkets, and community stores. There is a unified charging standard for credit card repayment using Lakala: currently only Bank of China (other regions across the country except Shenzhen), Agricultural Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing, and China Construction Bank (the bank's card repayments are free of charge) ) There is a handling fee of 2 yuan for credit card repayment, and there is no handling fee for other banks.

Instalment repayment is more favorable

If the funds are not available for a short period of time, you can also consider using installment repayment to repay the debt. Although installment repayment does not accrue interest, you will have to pay a handling fee. The handling fee here is actually "interest" charged by the bank in disguise.

At present, most banks provide cash installment services in the form of 3, 6, 12, and 24 installments. Some banks also provide installments as short as 1 month and as long as 36 installments. . As for the handling fee rate, the situation of each bank is also different, but the overall difference is not big. Taking 12 periods (i.e. 1 year) as an example, it is basically between 7.8-9 annualized. Taking China Merchants Bank [-0.56 Fund Research Report] as an example, cardholders can apply for bill installments. The handling fee for three installments is 2.6, the handling fee for six installments is 4.2, and the handling fee for 12 installments is 7.2, which will be charged in one lump sum when the first repayment is made.

How to repay a credit card loan 2

First, the advantages of credit card loans

How to get a credit card loan? What is the process? For such questions, it is also very important to understand the advantages of credit card loans. When using a credit card to apply for a loan, the approval speed is very fast. According to different regulations of different banks, it can basically be successfully processed in one to two working days. Moreover, the procedure is very simple. You can apply for a loan by phone or online. It greatly facilitates people's application process and effectively meets people's loan needs.

Second, credit card loan application process

1. Apply to the bank

In order to effectively obtain a credit card loan, the most direct way is to apply to the bank Valid application. However, due to bank regulations, when applying, it cannot be said to be a credit card loan, but should be called a cash installment application.

2. Provide valid information

When applying to the bank, customer service staff will ask the user some questions.

(1) It is the credit card, the user’s name and the 3-digit number on the back of the credit card, which is the CVV code.

(2) It is necessary to understand the purpose of the user's application for cash installment.

(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling fee, which should also be understood through the explanation of the customer service staff, and then the user himself To choose the appropriate number of installments for repayment based on the actual situation.

3. Review required by the bank

When a user applies for cash installment, the bank will conduct an effective review of the user's application, including reviewing the user's personal information, such as whether Whether the personal information is accurate, etc., the user's loan limit must also be reviewed, which is closely related to the user's usual credit record and repayment status.

How to repay a credit card loan 3

1. What conditions are required for a credit card loan? 1. Generally, banks will stipulate that you must have worked in the current unit for 3 months;

2. You must have no bad credit record and your monthly salary income must meet certain standards before you can apply;

3. If you have used a credit card, you can just go to the bank counter to apply, but The amount will not be very high;

4. The borrower's debt situation is good and he has the ability to repay;

5. He has a certain income and is stable, forming a stable bank flow.

2. What does credit card loan mean?

Credit card loan means that the bank grants a certain amount of money based on the credit status of the credit card holder, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's need to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

How to apply for a credit card loan

1. Apply by phone. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan.

2. Go to the bank to apply. You need to provide credit card information, such as name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate, you need to confirm that it is you who is handling it.

Can a credit card directly repay a loan?

Can a credit card directly repay a loan?

Can a credit card directly repay a loan? Credit cards are issued by banks to individuals and organizations. It is a special carrier card with consumer credit that can be used to shop and consume from special entities and deposit and withdraw cash from banks. The following is the answer to whether a credit card can directly repay a loan.

Can a credit card be used to repay a loan directly? 1

A credit card cannot be used to repay a loan. Credit cards cannot be used directly to repay loans, because this is a cash-out behavior, which is a taboo for banks. Once such behavior is discovered, the card will be locked directly and will also be included in the blacklist. Whether you want to apply for a card or get a loan, it will be very difficult.

However, you can withdraw the money from the credit card directly, or you can repay the money from the credit card through transfer. These two methods are allowed by banks, because using these two methods, you yourself bear the responsibility of credit card overdraft withdrawal. The interest that needs to be paid.

The application methods for credit cards are:

1. Apply at the counter. Individuals need to bring their credit certificate to the bank counter to apply.

2. Online banking application. You can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The review progress and results will be displayed on the online banking.

3. Apply by phone. By calling the bank's customer service number, individuals can operate according to the voice prompts.

How to apply for a credit card the fastest

Choose the right card issuer

Different banks have different application thresholds for credit cards. For example, the four major state-owned banks have relatively high thresholds and have a stronger awareness of risk control, so they will be more strict in selecting applicants. If the cardholder has good credit, repayment ability and financial ability, you can choose a state-owned bank. credit card.

If you are not qualified in terms of qualifications and cannot meet the high requirements of the bank, you can try to apply for a credit card from a commercial bank, such as China Merchants Bank, Industrial Bank, Minsheng Bank, etc. These banks have requirements for applicants. Relatively loose.

Meet the conditions for priority application of credit cards

If your personal fixed assets, personal credit, bank deposits, etc. are all very high, it is very easy to apply for a credit card. The salesperson in charge of credit cards is eager to have customers like this, and will even take the initiative to make an appointment with you and come to your door to apply for a credit card in person.

Try to apply online

Generally speaking, applying for a credit card online is the fastest and can save you a lot of tedious processes. After logging into the official website of the card issuer, you will usually see the entrance to apply for a credit card. After filling in and submitting the relevant information, the bank's salesperson will contact you within 24 hours. After successfully passing the interview, you can get it within one to two weeks. to a credit card.

Can I repay the loan directly with a credit card 2

If we directly use the bank’s app, it is not possible to repay the loan with a credit card. If you want to repay the loan with a credit card, you can only withdraw cash. Under normal circumstances, credit cards have a cash withdrawal limit of 50. We can withdraw cash from the credit card at an ATM machine or online banking, and then use the money to repay the loan.

Credit cards are special carrier cards issued by banks to individuals and organizations, which can be used to shop and consume with special organizations and deposit and withdraw cash from banks, and have consumer credit. In layman's terms, a credit card is a small loan payment tool provided by banks to users to consume first and repay later. But this kind of consumption can only be used when shopping in shopping malls and other activities. Credit cards can be used to buy cars, houses, etc., but there are no points. Therefore, the so-called using a credit card to repay the loan is actually withdrawing cash from the credit card to repay the loan. Once a credit card uses the cash withdrawal service, it is the beginning of the cardholder's interest "trap": various banks charge a handling fee ranging from 0.5 to 1 for domestic cash withdrawals. In addition to the handling fee, the cardholder must also pay interest. , calculated based on the daily interest rate of 5 and the annual interest rate of 18. It is equivalent to borrowing a high-interest loan in addition to the mortgage.

Credit card application conditions:

1. Aged 18 or above;

2. Hold a valid ID card;

3. None Bad credit record;

4. Proof of regular employment;

5. Proof of income stamped with the financial seal of the unit;

6. Other proof of financial resources, such as Real estate, cars, stocks, bonds, etc.;

7. Social pension insurance certificate;

8. Provide two contacts.

The first three conditions must be met, and providing 4-7 supporting materials as much as possible will increase the success rate of card application and credit limit.

Can a credit card be used to repay a loan directly? 3

On December 16, it was learned from the official website of the China Banking and Insurance Regulatory Commission that the China Banking and Insurance Regulatory Commission issued the "Notice on Further Promoting the Standardized and Healthy Development of the Credit Card Business" (Draft for Comments)" Announcement for Public Comments.

The "Notice" requires that banking financial institutions should take effective measures to promptly and accurately monitor and control the actual use of credit card funds. Credit card funds must not be used to repay loans, investments, etc., and are strictly prohibited from flowing into policy-restricted or prohibited areas.

The "Notice" requires banks not to directly or indirectly use card issuance volume, number of customers, market share or market ranking as the single or main assessment indicator.

Strengthen the dynamic monitoring and management of sleep credit cards. The number of long-term sleep credit cards that have had no active transactions from customers for more than 18 consecutive months and whose current overdraft balance and overpayment are zero accounts for the proportion of the total number of cards issued by this institution at any point in time. Each must not exceed 20, except for credit cards with additional policy features.

Banks exceeding this ratio are not allowed to issue new cards. In the future, the China Banking and Insurance Regulatory Commission will dynamically lower the limit on the proportion of long-term sleep credit cards and continue to urge the industry to reduce the proportion of sleep cards to a lower level.

In addition, the "Notice" also lists prohibited marketing activities such as default check-box consent and forced bundling sales, and clearly stipulates that without unified internal qualifications of the bank, no one is allowed to engage in the institution's credit card issuance marketing activities. .

Warm reminder

1. Failure to pay off the minimum payment of the current bill within the due payment date (including the 3-day grace period) is considered overdue.

2. If the card has been suspended and needs to be restored, please call the customer service number of the credit card center for consultation.

3. To repay the China Merchants Bank credit card through transfer from other banks, it is recommended to handle it 1-2 days in advance, and pay attention to the timeliness of the account.

4. There will be no fees for full repayment, and interest fees will be incurred for the minimum repayment.

Can a credit card be used to repay a loan?

The person concerned can use a credit card to repay the loan. Credit cards have bank credit lines and overdraft functions, but credit card holders cannot directly use the credit card to repay the loan. Instead, they must withdraw the credit line of the credit card in cash and then use it to repay the loan.

Extended information:

How to withdraw cash with a credit card

Credit card withdrawals mainly include overdraft withdrawals and overpayment withdrawals. Overdraft withdrawals are made by the bank for the cardholder. The small cash loans provided help cardholders flexibly deploy funds when they are in urgent need.

Cash withdrawal of overpayment refers to the funds that credit card customers overpaid when repaying or the funds deposited in the credit card account. A certain amount of handling fee is required to withdraw the overpayment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.