Commonly used credit card repayment methods:
1, cash repayment over the counter-no handling fee, poor convenience and general application scope.
Going to the bank for repayment is the most direct way. Although it costs a lot of manpower, it is also the most conservative and effective repayment method. Similar to counter cash repayment, there is ATM deposit repayment, but cardholders must first find out whether ATM supports credit card repayment, and also need to know which bank ATM belongs to and whether it supports bank card deposits.
2. Automatic repayment of bank salary card-no handling fee, very convenient and narrow in application scope.
If someone receives his salary through the bank and holds a bank credit card, he can use the credit card to handle the automatic repayment agreement. Then every time the final repayment date is reached, the bank will automatically deduct the arrears from the salary card, which not only saves the trouble of queuing at the bank, but also eliminates the possibility of paying a lot of interest because of underpayment. The only drawback is that this repayment method requires a salary card corresponding to the credit card, and the money in the salary card may be vacant, disrupting personal financial planning.
3, online banking, Alipay transfer repayment-none/lower handling fee, more convenient, wide application.
With the great popularity of PC, online repayment has become one of the most commonly used ways. Among them, online repayment is definitely used a lot, and efficient third-party repayment platforms such as UnionPay Online and Alipay are also well known, but their respective banks and specific repayment operations are different, so you need to look carefully before using them.
Sometimes online inter-bank transfer repayment will also be used. For example, if you accidentally arrive at the final repayment date, or your credit card just doesn't support online banking repayment, and you don't want to queue up at a bank outlet, then online banking transfer repayment of other banks will play a role, but the receiving bank (bank) must remember clearly because it may be used.
4. Self-service repayment in convenience stores-uncertain/low handling fee, more convenient and widely applicable.
In some convenience stores and communities in first-tier cities, there are self-service repayment tools, similar to online cross-bank repayment, which can be used without 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 Internet access conditions.
5, product repayment by mobile phone-no/lower handling fee, which is very convenient and has a wide range of applications.
Speaking of convenient credit card repayment methods, we naturally can't ignore the mobile phones around us. In fact, as long as we equip the mobile phone with a special external device, we can turn the mobile phone into an independent ATM machine, and of course we can easily complete the repayment of credit cards in this bank and inter-bank.
6, telephone bank repayment-no handling fee, more convenient, the scope of application is general.
Some banks have opened telephone banking repayment service. If they already have a current account in the bank and have opened a telephone bank transfer service, they need to call a fixed customer service hotline to complete the repayment. The advantage of this method is that it can be repaid anytime and anywhere, but the disadvantage is that it is necessary to apply for opening telephone bank transfer service in the early stage, and it is necessary to input too much information when repaying, and it is necessary to charge local basic telephone calls. Because few people repay in this way, they rank last.
Credit card repayment type:
1. Full repayment: It means that the cardholder repays all the payables before the due repayment date (inclusive), and can be interest-free within a certain period according to the regulations of the issuing bank.
2. Repayment by installments: Repayment by installments means that there will be multiple repayments, and the repaid principal and interest will be distributed to each installment.
3. Minimum repayment amount: The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
Tips: After the credit card application is successful, you should spend it reasonably, and don't maliciously owe money, which will lead to overdue.
Consequences of overdue repayment of credit cards:
1. It is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs;
2. If the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he shall also bear criminal responsibility;
3. Overdue repayment will leave a bad credit record for the cardholder and affect the smooth progress of the cardholder's future loan.