Is it risky to repay someone else’s credit card on WeChat?

There is a certain risk. WeChat needs to bind the credit card first, and then it can be repaid. Therefore, it is recommended to use Alipay or online banking to repay, or go to the bank to repay.

1. How to help others pay back their credit cards on WeChat

This is actually similar to paying off your own credit card. You can use WeChat change to pay back the money, or you can use the bound savings card to pay back the money. Specific details The repayment steps are as follows: Take Huawei mobile phones as an example;

1. Enter WeChat, find "WeChat Wallet", and select credit card repayment;

2. Add the credit card to be repaid. Enter other people's credit card information, name, and confirm the card binding;

3. Click on the bound credit card, enter the repayment amount, click Repay Now, and enter the payment password to complete the repayment.

2. Things to note when helping others pay off their credit cards

When helping others pay off their credit cards through WeChat, there are two things you must pay attention to, one is the repayment limit, and the other is the arrival time:

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1. Repayment limit: A single repayment of a credit card for others shall not exceed 2,000 yuan, a single daily repayment shall not exceed 2,000 yuan, and the maximum single monthly repayment limit is 10,000 yuan.

2. Payment time:

① Real-time payment: Industrial, CITIC, Ping An, Agriculture, Minsheng, Everbright;

② Same-day payment: investment promotion , Industrial and Commercial Bank of China, Bank of Communications, Bank of China, Guangfa, China Construction Bank;

③2-3 working days for payment: Pudong Development Bank, Jiangsu, Ningbo, Nanjing, Shanghai, Beijing, Hangzhou, Hankou, Shanghai Rural Commerce

Reminder: When repaying someone else's credit card via WeChat, it is best to repay a few days in advance. This can avoid the repayment not arriving in time and affecting other people's personal credit.

Legal analysis:

1. Credit card late payment fees are incurred.

2. Overdue interest.

3. Credit card users who repay overdue will be recorded in their bad credit records.

4. If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and still fails to return the money after being called by the issuing bank, he may be suspected of committing a credit card crime.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances If the circumstances are serious, the person shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated:

(1) Using a forged credit card, or using a false identity certificate to fraudulently obtain the credit card. Credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Anyone who uses credit cards concurrently shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Should I use Alipay or WeChat to pay off my credit card? Which one is safer?

This is fine, it depends on your preference. Both WeChat and Alipay are more convenient for paying off credit cards, and the funds are received in real time without any handling fees.

In fact, WeChat and Alipay are some of the ways we make payments, but not all banks are allowed. The following is the bank information for credit card repayments that the two cooperate with.

The repayment banks supported by Alipay are:

China Construction Bank, China Merchants Bank, Pudong Development Bank, Industrial and Commercial Bank of China, Industrial Bank, Hua Xia Bank, China Guangfa Bank, Shenzhen Development Bank, China Minsheng Bank, CITIC Bank, China Everbright Bank, Hengfeng Bank, Zheshang Bank, Standard Chartered Bank, and some regional banks account for 41.

The repayment banks supported by WeChat are:

Currently, you can repay credit cards issued by 21 banks through WeChat, including China CITIC Bank, China Everbright Bank, China Minsheng Bank, Ping An Bank, Agricultural Bank of China, Industrial Bank, China Construction Bank, Industrial and Commercial Bank of China, etc.

So from the perspective of banks, there are more banks that accept Alipay repayments, but in fact, the major banks include both, and there is no particularly big gap.

Analysis from the arrival time of credit card repayment

Alipay repayment is generally divided into immediate arrival, same-day arrival and next-day arrival. The specific details still need to be paid at the time of repayment. Query progress.

Tips: After the credit card repayment is successful, the credit limit will be restored immediately, but the bank statement will usually be delayed for 1-2 days. If you have any questions, please contact the bank for confirmation.

The time it takes for WeChat repayment to arrive in your account will vary depending on the bank.

Is it safe to bind a credit card with WeChat payment?

It is very safe to bind a credit card with WeChat payment, and WeChat itself is very safe. After users bind their credit cards to WeChat, they still need to enter their payment password when making purchases, which further guarantees the safe use of the cards. And you can bind multiple credit cards in WeChat.

It will be very convenient for users to bind their credit cards to WeChat. The bound credit cards can be used for online or offline consumption. After spending through WeChat, users can also use the money in WeChat to repay the credit card, but a fee will be charged when repaying the credit card balance, which is 0.1% of the repayment amount.

When a credit card is bound to WeChat, the credit card user name must be consistent with the WeChat real-name authentication. It is not allowed to bind other people’s credit cards on WeChat. However, you can repay other people’s credit cards when repaying. A handling fee will also be charged when making a payment.

In addition to binding credit cards in WeChat, users can also bind multiple savings cards. After binding, the savings cards can be used for consumption and transfer. The bound credit card cannot be used to transfer money. This is something everyone needs to pay attention to. Whether you bind a debit card or a credit card to WeChat, you need to use your mobile phone for verification.

Many third-party payment software can now bind credit card consumption

What is credit card repayment in WeChat?

As of December 1, 2020, WeChat Credit Card Repayment is a life application created by the Tenpay team, which can easily realize credit card repayment across banks and regions. Currently, debit cards and change bound to WeChat Pay are supported for repayment.

In order to ensure the safety of funds, WeChat repayment now has a limit. Repayment for yourself: 50,000 yuan for a single payment, 50,000 yuan for a single day, and 500,000 yuan for a single month; repayment for others: 2,000 yuan for a single payment Yuan, 2,000 Yuan per day, 10,000 Yuan per month.

Extended information

For users, they must increase their security awareness and vigilance when conducting financial transactions. First of all, you must look for the account number plus the "v" mark, which is the official public account of the WeChat certified merchant; at the same time, you must look for the "WeChat Secure Payment" certification words when making transactions. Only in this way can payment security be ensured. Users need to remain vigilant about payment pages, links, etc. published by uncertified public accounts.

For "Credit Card WeChat Repayment", a repayment method that has not been launched for a long time and is still a new thing, its security still needs to be considered. If citizens conduct money transactions on it, they must be cautious. It is recommended that Citizens who are eager to repay can choose this method to repay, while other citizens can choose traditional channels to repay.

Is credit card repayment on WeChat safe? What should I pay attention to?

After the financial industry has entered the digital and informatization revolution, the mobile Internet wave has changed the financial lives of many people. Completing credit card transactions through WeChat has become one of the most convenient and popular ways nowadays. one. As more and more users use WeChat, the customer card experience on WeChat has become the main point of competition among major credit card centers in the era of mobile Internet finance. Improving the convenience of WeChat repayment is one of the most effective ways to compete. . Some banks have launched credit card WeChat customer service services. Cardholders only need to follow the WeChat platform accounts of these banks and bind their own credit cards, debit cards, etc. to handle credit card applications, bill inquiries, personal information modifications, etc. business. There are even third-party institutions that offer credit card repayment services via WeChat, allowing cardholders to repay their credit cards through WeChat without leaving home.

WeChat Pay Credit Card has supported debit cards from more than 20 banks, including Agricultural Bank of China, China Construction Bank, Postal Service, ICBC, and China Merchants Bank. Through these bank debit cards, you can repay credit cards of any bank. Among them, six banks, China CITIC Bank, China Everbright Bank, China Minsheng Bank, Ping An Bank, Agricultural Bank of China and Industrial Bank, can receive funds in real time.

Although this repayment method is "trendy" and convenient, is it safe to repay credit cards on WeChat?

Based on security considerations, the repayment on its WeChat platform currently only supports repayment with the same name, that is, you can only repay your credit card through your own debit card. At the same time, security verification will be performed when a certain debit card is used for repayment for the first time to ensure the safety of repayment to the greatest extent. Regarding the issue of possible leakage of personal information, the customer service explained that the platform will take user information security as the highest priority and will not inform others of the user’s name, ID number, bank card and its bound mobile phone number and other related information. It will also not be displayed on its platform's servers.

For users, they must increase their security awareness and vigilance when conducting financial transactions. First of all, you must look for the account number plus the "V" mark, which is the official public account of the WeChat certified merchant; at the same time, you must look for the "WeChat Secure Payment" certification words when making transactions. Only in this way can payment security be ensured. Users need to remain vigilant about payment pages, links, etc. published by uncertified public accounts.

Notes

The first step: In privacy settings, pay attention to personal information not being disclosed casually. The "Nearby People" function in WeChat has been popular among many users. Since this function can locate others, the industry recommends that users should turn off the function in time after using it. In addition, users should be cautious in the privacy section. Set the permissions for the circle of friends and do not disclose personal information to the outside world.

Second tip: Avoid mentioning sensitive information when chatting with others. When the chat content involves sensitive information such as "account number, password, transfer, payment", users are advised not to respond in WeChat. Even if family members ask in WeChat, it is best to call and ask if it is true. When receiving WeChat reminders, users should also carefully verify the identity of the other party through voice, video and other means in a timely manner to ensure the safety and authenticity of the chat information and protect the safety of property.

Third trick: Set a mobile phone lock screen password. It is recommended that users set a mobile phone lock screen password. The WeChat payment password must not be set to be consistent with the mobile phone lock screen password or other passwords. If someone wants to change the password when they find the phone, they must pass the original password verification before changing it. If you directly choose to forget your password and want to retrieve it, you need to verify the validity period, name, and ID card at the same time, and use the mobile phone number reserved by the bank to receive the verification code before you can retrieve it. However, WeChat Pay itself does not display the complete card information of the bound bank card, so others cannot obtain relevant information through the WeChat Pay bank card interface. If the mobile phone, ID card, and wallet are lost at the same time, users can report the situation through WeChat Pay customer service. After verification, WeChat Pay will conduct abnormal transaction judgments, emergency account freezes, and other means to ensure the security of user accounts.

For "credit card WeChat repayment", a repayment method that has not been around for a long time and is still a new thing, its security still needs to be considered. If citizens conduct money transactions on it, they must be cautious and it is recommended to rush Citizens who are repaying can choose this method to repay, while other citizens can choose traditional channels to repay.

Is it safe to pay off a credit card on WeChat?

Of course it is safe to repay on WeChat. If the repayment on WeChat is not paid, or the bank card is stolen, you can seek compensation from WeChat. If WeChat dares not to accompany you, bring the evidence. Submit it to

CBRC

and Tencent may be fined a huge sum of money.

This concludes the introduction on Is it safe to repay credit cards on WeChat and Is it safe to repay credit cards on WeChat? Have you found the information you need?