Credit card repayment method:
1. Within the issuing bank: including the 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. Transfer and remittance repayment: 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.
3. Convenience store repayment: This method mainly completes repayment through Lacarra smart payment terminal installed in convenience store. Generally, it will arrive in 2-3 working days, and there is no handling fee for repayment in this way.
4. Counter repayment: Counter refers to the current RMB deposit and withdrawal transactions of bank cards issued by various networked financial institutions through counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
5. Intelligent repayment: a new industry, whose main function is to use the balance of about 5% in the card to automatically recycle consumption repayment, so as to achieve the purpose of full repayment and charge a certain handling fee. Its basic functions include bill management, local payment and card-free application.
Extended data:
Precautions for credit card repayment:
Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest every month and a late fee.
Credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder needs to pay late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same.
People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up the use of credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, which will affect the mortgage.
There are more and more emerging repayment methods, but online transfer repayment provided by banks, card-to-card repayment of third-party POS machines and telephone banking repayment are the mainstream media. If there is a fixed repayment method and repayment cycle, the monthly repayment of credit cards will become "easy" and there is no need to queue up at the bank.
In addition, it should be noted that when choosing a credit card, you should ask clearly which repayment methods the bank supports, and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.
Baidu encyclopedia-credit card repayment
Baidu encyclopedia-credit card