Credit card suspension means that the user cannot use the credit card for consumption again, but the user can still repay the credit card normally.

Credit card repayment methods include:

1. In-bank repayment: This repayment method mainly includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. Way. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Mobile phone repayment: The mobile phone is a personal payment terminal of the mobile financial system. It can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant payment.

3. Convenience store repayment: Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

4. Online repayment: The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

5. Inter-bank transfer: Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Extended information:

Notes on credit card repayment:

There are more and more emerging repayment methods, but the mainstream ones are those provided by banks. There are several media such as online transfer repayment, card-to-card repayment from third-party POS machines, and telephone banking repayment. If there is a fixed habitual repayment pattern and repayment cycle, the monthly credit card repayment will become It's "easy to do" and won't take up too much time, let alone waiting in long queues at the bank.

When choosing a credit card, you need to 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 small profits such as “card-holder shopping discounts”. After all, The convenience of a credit card is the most important thing.

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

Baidu Encyclopedia - Credit Card