There are many types of credit card repayment methods, so repayment can avoid credit problems! Nowadays, the use of credit cards has become very popular, and more and more people are using them. The reason is that credit cards bring us certain conveniences, so it is not uncommon for people to have multiple cards.

However, having too many cards will not only leave them idle, but also different credit cards have different repayment times, which will inevitably lead to unnecessary overdue payments. Now let me tell you about the many types of credit card repayment methods, so that repayment can avoid credit problems!

At present, the mainstream methods of credit card repayment are as follows:

1. Automatic repayment by associated bank card

This can be said to be very common and traditional at present. a way. The holder binds the savings card independently to make regular repayments to the credit card. Although this method is very convenient, the disadvantages are also obvious. First, the timing requires accurate selection, and second, the premise is that the bound savings card must have enough money. Failure to meet the above two conditions will eventually lead to overdue payment. Especially if a credit card is left idle for a long time, the consequences will be more serious.

2. APP repayment

Nowadays, banks or third-party software companies have launched their own credit card repayment APPs, which can be used to repay when you open it, which is more convenient. However, these apps have more or less the same drawbacks as the first two. Third-party apps also need to confirm whether the platform they belong to is safe and have software bugs and other issues.

3. WX and Alipay repayment

Now both WX and Alipay have the function of credit card repayment. It is still very convenient to directly use Alipay or WX. However, when using these two methods, you need to confirm whether the repayment is successful. In addition, WX will charge a handling fee for the monthly cumulative repayment exceeding 5,000 yuan from December 1, 2017. This is invisible to high-spending people. Increased spending.

4. Credit card repayment

For the credit card repayment pie, many companies on the market have gradually launched special services. Generally, about 10% of the credit limit is reserved on the card. , and the rest will help you pay off all the bills within a certain period of time. Not only did you pay off your credit cards, you earned extra money, and you also avoided the risk of multiple overdue credit cards.

Summary: After comparison, I believe that the last method is obviously the most beneficial to credit card users at present.

The above is my introduction to the many types of credit card repayment methods, so that repayment can avoid credit problems. I hope it will be helpful to everyone!