Online repayment is the best. There are several credit card repayment methods:

1. Automatic repayment: If you also apply for the bank’s savings card when applying for a credit card, then set the full repayment or the minimum repayment After the limit, you can repay through the automatic repayment service;

2. ATM repayment: repay at the automatic deposit and withdrawal machine of the bank to which the credit card belongs;

3. Third party Platform repayment: Credit card repayments can also be made through third-party platforms such as Alipay and WeChat, but certain handling fees may be charged.

1. Which method is the least laborious

Over-the-counter repayment is the most traditional credit card repayment method. Not only do you have to queue up at the bank business hall, you may also need to carry a large amount of cash, which is unsafe and inconvenient. In addition, bank branch counters often require long queues, which is definitely time-consuming and energy-consuming. But as the most primitive and traditional method, it is a better method for most elderly people who are not good at operating automatic equipment.

On the contrary, the repayment method that can best make up for this shortcoming is undoubtedly online banking repayment and third-party payment method repayment. These two repayment methods are implemented by Tonggu Internet. Users only need to open online banking or bind a third-party account such as Alipay to a credit card to achieve repayment.

2. Which method of repayment reaches the account the fastest

Most banks have opened online banking services. Users only need to open the professional version of online banking of any bank. Online banking for credit card repayments. If your credit card and debit card belong to the same bank, there is no handling fee for repaying the credit card through online banking, and it will arrive in your account in real time.

Generally speaking, the repayment amount is credited to the account at the counter of the bank's credit card branch on the same day. And third-party payment such as "Lakala" takes T 1 day to arrive. Autopay repayments are credited on the due date.

1. Repayment at an outlet:

Repayment at a bank counter is the traditional repayment method for credit cards. It can generally be credited to the account in real time and is used by many cardholders. In addition to bank counter repayments, many people also choose to repay at ATM machines. ATM machines are generally open 24 hours a day, making it more convenient than paying over the counter. However, compared with over-the-counter repayment, ATM repayment does not control the amount accurately enough, and generally requires depositing more cash than the repayment amount. If the repayment is made across banks, not only do you have to pay a certain inter-bank transfer fee, but you also cannot receive it in real time.

2. Automatic repayment:

The automatic repayment method of credit card refers to binding the bank debit card and activating the automatic repayment function, so that at the end of each month’s credit card Before the repayment date, the bank will automatically transfer the money from the debit card to the credit card account. There are two automatic repayment methods: full repayment and minimum repayment. Cardholders can choose according to their own needs.

3. Online banking repayment:

Compared with branch repayment, using online banking transfer, the cardholder only needs to log in to the computer, open the web page, enter the card number and password to complete the credit card repayment. payment. However, we need to be reminded that different repayment banks chosen by cardholders will have different charging standards and specific payment arrival times. For example, intra-city transfers are free, but inter-bank transfers or inter-regional transfers in different places will charge a handling fee of 2‰, 5‰, or a single transaction fee ranging from 2.5 yuan, 5.5 yuan, or 10.5 yuan depending on the transfer amount.