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Can I use ICBC card to repay the Bank of China credit card?
Yes, you can. Credit card repayment can be transferred across banks.

Common credit card repayment methods in China mainly include the following categories (according to the cost level):

1, intra-bank repayment

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2, mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

3. Convenience store repayment

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

4. Online repayment

The more common online repayment methods in China are: Baidu wallet, UnionPay online, quick money,? Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

6. The counter is connected

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

7. Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

8. New Fortis

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

9. Repayment Pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

10, intelligent repayment

The new industry, its main function is to use the balance of about 5% in the card to automatically recycle consumption repayment to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.

Extended data:

According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Article 92

Commercial banks should implement classified management of credit card risk assets, and the classification criteria are as follows:

(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance. ?

(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive). ?

(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive). ?

(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive). ?

(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days. On the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been recognized by the CBRC and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards.

Continue to pay attention to and regularly compare important risk management indicators related to reserve provision and risk asset measurement, and take corresponding risk control measures.

Article 41

The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable source of income or a reliable repayment guarantee.

Article 42

The issuing bank shall determine the necessary (optional) elements of the credit card application materials according to the overall risk management requirements. If the credit card application materials lack (optional) required information or required options, they shall be represented by others (except for business travel cards, business purchase cards handled by the unit and supplementary cards handled by the main cardholder), and the credit card shall not be issued if the application materials are not signed by others. ?

If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.

Article 43

For customers who apply for the bank's credit card for the first time, automatic card issuance is not allowed in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:

(1) Leaving relevant suspicious information or criminal records in the identity information system; ?

(2) There is no credit record in the credit information system; ?

(3) Having a bad record in the credit information system; ?

(four) there are many bank loans or credit card credit records in the credit information system; ?

(5) Business travel cards and business shopping cards handled by the unit; ?

(6) Risk information obtained from other channels.

Baidu encyclopedia-credit card repayment