How to pay off someone else’s credit card?

Steps to help others pay back their credit cards

1. First open WeChat on your mobile phone, click "Me" to enter "My Wallet";

2. In " "My Wallet" page, select "Credit Card Repayment". If it is the first time to use it, you must first add the credit card for repayment, enter and name to add;

3. Fill in the credit card you want to repay on your behalf. and the name of the cardholder. After successfully adding the credit card, enter the amount to be repaid and enter the payment password.

Editor’s tip: You can choose to pay with change or bank card as payment method.

Notes on WeChat repayment

1. Confirm the credit card used for repayment and the correct name of the cardholder;

2. Not all banks All repayments can be made through WeChat. It is understood that China Merchants, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, Guangfa, China Construction Bank, Industrial Bank, CITIC, Ping An, Agriculture, Minsheng, China Everbright, as well as Shanghai Pudong Development Bank, Bank of Jiangsu, Bank of Ningbo, Bank of Nanjing and Bank of Shanghai , Bank of Beijing, Bank of Hangzhou, Hankou Bank, Shanghai Rural Commercial Bank and other banks can use WeChat to repay credit cards;

3. WeChat credit card repayment arrival time, grasp the WeChat repayment arrival time, avoid The credit card is overdue.

1. As long as you have the other party’s name and repayment account, you can help others repay their credit card by transferring money on online banking, mobile banking or credit card APP.

Second, you can also enter the other party’s number directly into the ATM machine and transfer the money directly to the other party’s card.

3. WeChat or Alipay can also help others pay off their credit cards. The repayment operation on WeChat is as follows:

1. Open WeChat and select "My - Payment - Credit Card Repayment";

2. Click "I want to repay" and jump Go to another page;

3. Enter the cardholder’s name, bank, check the agreement and click “Confirm Add”;

4. Click on the credit card you just added, and Just click "Repay Now" on the interface that appears.

Steps to find someone to pay off your credit card on your behalf

It is actually very simple to find someone to pay off your credit card. Generally, the person who pays off your credit card only needs to know the credit card. In this era, the person who pays off your credit card will be able to pay off the credit card debt. payment. Specific steps: 1. The cardholder must find an intermediary or individual to repay the bill before it is due.

2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.

3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.

4. Then use the POS machine provided by the other party to withdraw the same amount.

5. Finally, the cardholder pays the return fee to the returner.

Credit card payments cannot be overdue during the repayment process, because overdue repayment will generate penalty interest, and the longer the time, the more penalty interest will be generated. After overdue repayment, the bank will collect money. A common method of collection is to call the borrower's phone number until the cardholder has paid off all the debt.

In fact, when a credit card cannot be repaid on time, users can use installment repayment or the minimum repayment amount, so that the monthly repayment amount can be reduced and overdue repayment will not occur. When using installment repayment, users can choose different repayment periods based on their income, and can repay in advance later.

In order to avoid late repayment after using a credit card, users must think about their repayment plan in advance when using a credit card and know what kind of income they will use to repay the debt. If your income is relatively small, you should be careful when using credit cards. Generally, the credit card consumption limit does not exceed 50% of your monthly income and you can pay it back on time.

How does credit card repayment work?

1. The specific method of repaying a credit card:

1. The cardholder must find a good account before the bill is due. An intermediary or individual who is responsible for the return.

2. Then both parties negotiate the repayment fee, which is usually about 1% of the repayment amount.

3. After agreeing on the handling fee, the repayment agency or individual will help you pay off the credit card bill.

4. Then use the POS machine provided by the other party to withdraw the same amount.

5. Finally, the cardholder pays the return fee to the returner.

Credit card agency still has certain risks. You must find a formal agency to avoid being defrauded of personal information and property.

2. What platforms are available to repay credit cards on your behalf?

1. Repay credit cards through JD Gold Bars

Everyone is familiar with JD Gold Bars, as long as If the user's credit score reaches the standard and meets the conditions, he or she can obtain a certain quota, and then apply for a loan within the quota, which can be directly transferred to the credit card. The interest during the activity is 0.45 per day.

2. Repay the credit card through Jiebei

There is a Jiebei in Alipay. Users with a sesame score of 650 or above have the opportunity to obtain a credit limit and apply for a loan in Jiebei to repay the credit card. , and then repay the money to the loaner. The daily interest rate is 0.4, which is lower than that of the bank.

3. Repay credit cards through Huanbei

Huanbei is a repayment product of Shanghai Shuhe Technology. It can help users repay credit cards in low-interest installments, and the users will then repay the money. Yes, and the interest you pay back is 50% off the minimum credit card repayment interest rate.

4. Repay the credit card through Shengbei

Shengbei is loaned by Harbin Bank. There are three loan periods of 3, 6, and 12 to choose from. The handling fee is paid by the bank. About 70% off.

Credit card agency still has handling fees and interest. You can try not to repay it on your behalf. You must also pay attention to whether the agency is reliable to prevent being cheated.

3. Credit card repayment means that when the cardholder’s credit card reaches the final repayment date and the cardholder is unable to repay the full amount and does not want to pay the bank’s high interest, in order to maintain a good balance sheet Credit card repayment records, entrusting others to repay credit card bills on your behalf. The cardholder then withdraws the repayment amount by swiping the card for consumption and returns the funds to the repayer. In fact, for banks, credit card agency is still an illegal operation. Because later repayments to the repayer may involve cashing out. In addition, credit card payment will only increase the repayment pressure for people with poor self-control.

This ends the introduction on how to repay a credit card and what can be used to repay a credit card. Have you found the information you need?