2 online bank repayment: there is no handling fee for credit card repayment through the online bank of the bank to which the credit card belongs;
3 repayment at bank outlets: repayment procedures can be carried out through bank counters or ATMs;
4 automatic repayment: bind the personal debit card account with the credit card, and the debit card account will be deducted automatically on the repayment date.
you can enjoy the interest-free service as long as you complete the credit card repayment within the specified time after using the credit card for consumption. There are many ways to repay credit cards. If you repay credit cards through some third-party channels, you often need to pay a certain handling fee. The following are some ways to introduce credit card repayment free of charge, hoping to help.
channel 1: repayment with mobile banking APP.
at present, the mobile banking apps of major commercial banks support the free repayment of credit cards. In addition to the free repayment of our own credit cards, some mobile banks support the zero repayment of other banks' credit cards. In addition, at present, most mobile banks make cross-bank transfers free of charge, which means that cross-bank credit card repayment can be realized free of charge.
channel 2: repayment with bank wechat account.
official wechat accounts have been opened in all banks. If cardholders bind their accounts, they can also use the quick repayment function of official credit card wechat accounts to repay. However, using this channel to repay, the cardholder must have opened a mobile banking, can only repay his own bank and the credit card must be bound to WeChat.
channel 3: repayment through channels such as unionpay China Unionpay Quick Pass.
as a unified banking APP, China unionpay's China Unionpay Quick Pass APP is jointly developed and operated by commercial banks and unionpay, and China Unionpay Quick Pass APP supports one-click inquiry of credit card bills of more than 15 banks and zero fee repayment. Users only need to bind credit cards in the card management channel (up to 15 credit cards can be bound), click on the relevant cards, and they can inquire about each transaction and the total repayment amount. Click on Repayment Now, and they can repay with zero handling fee. Most banks support the same-day payment or even real-time payment.
operating environment: wechat Version8..16 AliPay version 1.2..9 industrial and commercial bank v6.1..8. agricultural bank v6.8.