General credit card repayment arrival time:

① Over-the-counter deposit repayment will arrive immediately;

② Online bank transfer repayment will arrive immediately from local counterparts , the account will be received in 2-24 hours by non-local counterparts, and the account will be received in 24 hours by inter-bank;

③ ATM, CRS transfer or CRS deposit repayment, please refer to ② for the transfer arrival time, and the deposit will be received immediately;

④ Third-party payment transfer repayment, arrival within 24 hours.

Extended information

When choosing a credit card, you should ask clearly what repayment methods the bank supports, and try to apply for a credit card with more diversified repayment methods. Don’t be fooled by “holding a card.” "Shopping discounts" and other small profits are confusing. After all, the convenience of a credit card is the most important thing.

There are more and more emerging repayment methods, but the mainstream ones are online transfer repayment provided by banks, card-to-card repayment through third-party POS machines, and telephone banking repayment. Media, if you have a fixed habitual repayment pattern and repayment cycle, monthly credit card repayments will become a "little effort" and will never take up too much time, let alone go to the bank to queue up.

The consequences of overdue credit card repayments are serious, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

Baidu Encyclopedia-Credit Card Repayment