How to repay the money owed after the credit card is deactivated

Of course, the credit card is deactivated and cannot be repaid at the ATM machine. However, it can still be repaid through online channels. The credit card is deactivated. After use, you can log in to the bank's credit card app to check the credit card bill and perform repayment operations; in addition, third-party payments can now be repaid by credit card, and credit card repayments can also be made through WeChat and Alipay.

When a credit card is deactivated, please note that the credit card needs to be repaid in full, not just the current bill or the minimum repayment. Don't think about not paying it back after deactivating it. Overdue deactivation will have a great impact on personal credit report. After all, personal credit report is the most important.

Credit card repayment skills:

As the saying goes, the bank can give you n yuan less, but you cannot take 1 cent more from the bank, even if the bank counter says that you will not be held responsible if you leave the counter. As long as you take more, the bank will also "want" you. Well, don’t be afraid. In fact, I just want to say, don’t owe the bank money, especially don’t owe the bank credit card money, otherwise the compound interest will be very scary. Let’s take a look at some of the credit card repayment instructions and tips.

1. Change the credit card repayment time to three days after the salary day.

Under normal circumstances, the credit card repayment date is random, but this date can be modified manually. You can call the customer service number on the back of your credit card (do not call a phishing call) and transfer to manual service. Just tell the customer service to set your credit card repayment date on a certain day, and the customer service will help you handle it. Then why should the repayment date be set to three days after the salary is paid? The reason is very simple: as soon as the salary arrives, you should pay off the credit card immediately. Even if there is a problem with the credit card payment on the same day, there will still be 2 days to buffer the problem.

2. Clearly distinguish the credit card repayment date and billing date.

The credit card bill date is the day when the total amount of credit card payments you have made in the past month is counted. The money on the bill is the money that must be repaid on the repayment date about 20 days later. The credit card repayment date is the day when you must pay off the outstanding credit card bill from the previous month.

Techniques:

1. Bind a bank savings card of a fellow traveler

The least worrying way to repay a credit card is to bind a bank savings card of a fellow traveler automatically. Deduction is more convenient if it is bound to a salary card. Once the salary arrives, the money will be automatically deducted, which is safe and risk-free.

2. Alipay wallet repayment

Although binding a debit card and credit card repayment can be done once and for all, it is only suitable for a small number of people. Now let’s talk about the simplest and most versatile technique for credit card repayment – ??Alipay Wallet. Use an iPhone13 phone (system version: iOS15.0) to open the Alipay APP (version 10.2.53). Alipay's credit card repayment function is completely free. It supports basically all credit cards in China, and the payment speed is very fast. Many credit cards can receive payment within 2 hours of the same day, and the latest one will be paid the next day tomorrow. The reason why Alipay’s credit card repayment function is said to be universal is because, in addition to helping you repay your own credit card, Alipay can also help repay other people’s credit cards, which is very convenient.

3. Lakala repayment

If there are Lakala machines in your company or nearby, you can use these machines to help pay off your credit card. Although Lakala's repayment method is a bit troublesome, many people still choose this method where they have to swipe their bank savings card to repay.

Can I repay my credit card slowly if my credit card is suspended?

I can repay my credit card slowly after my credit card is suspended. However, if the outstanding balance is not paid off as soon as possible after the card is suspended, overdue interest will accrue on the unpaid portion every day. Therefore, the longer the payment is in arrears, the more overdue interest will be. Although repaying slowly can reduce the pressure of repayment, it will increase overdue interest. In addition, because the credit card is overdue, there will be an overdue record of the credit card in the credit report. If the credit card debt is not paid off as soon as possible, the record will always exist.

Credit card repayment methods:

1. Repay within the bank. The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. 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, which can be used to pay directly by swiping the card, or to perform transfers and other services.

3. Convenience store repayment. Convenience store repayments are mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2-3 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.

If a credit card is deactivated, the cardholder can call the card-issuing bank and ask the bank's customer service to restore the deactivated credit card or reissue a new credit card.

Deactivation Type 1: The bank believes that the transaction of the credit card is abnormal and may be attacked by hackers or other criminals. For the safety of the cardholder, the bank freezes the credit card.

Solution: In this case, if the credit card is deactivated, the cardholder can call the card-issuing bank and ask the bank to issue a replacement credit card. After getting the new card, he can directly open the card and use it, and at the same time, transfer the original credit card to the bank. Do the cutting process.

Deactivation Type 2: If the cardholder fails to repay on time for more than three consecutive months, the card-issuing bank has the right to unilaterally deactivate the credit card. In addition, even if the credit card is deactivated in this case, the late payment fees and interest that still exist on the cardholder's bill will continue to increase. If the amount reaches the bank's regulations, the bank can allow the cardholder. If the amount is larger, the cardholder will also Will be punished.

Solution: As a result, the credit card has been deactivated. It is best for the cardholder to repay the balance owed on the credit card in full. At the same time, in order to avoid a credit record blacklist, it is best to re-register the credit card. Activate, repay on schedule, and use the continuous period to offset the original bad credit record. Otherwise, the cardholder will not only be unable to apply for other credit cards, but also be unable to apply for housing loans and other financial loans.

What should I do if my China Merchants Bank credit card is deactivated?

1. First, we click on Palm Life on the mobile phone.

2. Then we click the cat icon on the upper right side of the homepage.

3. Then we enter the Tips Assistant, enter how to restore and send a suspended card, and click on the first result.

4. The result we see is that the card is expected to be suspended. If you repay as soon as possible, you can have a chance to recover. For other reasons for card suspension, we can directly call customer service for consultation.

5. If the card happens to be maxed out and deactivated without repayment, we return to the homepage and click My on the lower right.

6. Then we click on check and repay.

7. Finally, we click on repayment and repay according to the bank's requirements. The bank will naturally restore our limit within a certain period of time.

How to repay the credit card if it is invalid? In most cases, normal repayment is sufficient

Whether a credit card can be repaid on time is directly related to the cardholder's personal credit report. Overdue repayment is a tragedy that every cardholder does not want to encounter. Cardholders are wondering, how can I repay the credit card if it is invalidated? I'm afraid there will be problems with repayment.

There are generally two situations when credit cards are invalidated: first, the credit card's magnetic strip is damaged and cannot be used; second, the credit card is automatically invalidated when its validity period expires. If the following two situations occur, you can repay as follows:

1. The credit card's magnetic strip is damaged and the card is invalid

If the credit card's magnetic strip is damaged, you can only use the card to make purchases, but it does not affect the repayment. The cardholder can repay the amount as usual. However, in order to facilitate the use of the card in the future, it is recommended that cardholders contact the bank as soon as possible to change the card to a new one, preferably a chip card, so that there will be no problem of damage to the magnetic stripe.

2. The credit card is invalid after it has expired

Generally speaking, the validity period of a credit card is 3-5 years, and the longest is 8 years. After the validity period of the credit card, the card will be invalid. If you don’t want to continue using the card, you can just repay it according to the normal repayment date. If you want to continue using the card, banks will generally contact the cardholder to change the card one month before the credit card expires, and repayment will not be affected.

In addition, freezing or blocking of the credit card will not affect normal repayment. If the credit card is canceled, bank staff will generally confirm in advance that there is no outstanding balance or deposit on the credit card before proceeding with the cancellation procedure.

So, as long as you repay your credit card in time, you can repay it smoothly regardless of the card status. If you encounter special circumstances such as repayment failure, it is recommended to contact the customer service of the card-issuing bank to find a solution.

Will the credit card be invalidated if it is not activated for 2 months? Will it become invalid after it expires?

How to repay the Bank of Beijing credit card when its use is suspended?

Card holders should bring their ID card, sufficient cash, and credit card to the issuing bank’s business office for processing. There is no other way.

The credit card has been deactivated, and the money owed still needs to be repaid on the due date.

The deactivated credit card balance has not been paid off. If the user fails to repay on time, it can easily lead to the credit card being overdue.

Moreover, users’ timely repayment is conducive to credit card recovery. After users have paid off their debts, they can try to apply for card recovery.

Credit card deactivation is usually caused by overdue use or illegal use. The credit card can be reinstated after the problem is solved.

How to repay the credit card if it is deactivated? This way you can pay it back for free!

For a period of time, major banks have increased their risk control efforts. Many cardholders’ credit cards have been deactivated because they touched risk control points, so they thought that since the bank would not allow them to use the card , just don’t pay back the money. Anyway, you may not be able to use the card even if you pay back the money. Is this really possible? If not, how can I repay the credit card if it is deactivated? Let’s find out together below.

Do I still have to pay back my credit card if it is deactivated?

This is for sure. The credit card is deactivated, but the card cannot be used. If there is still a balance in the card, you must repay it. Of course, you can also choose not to repay it at will, but in this case The consequences are quite serious. After all, if a credit card is not repaid within the stipulated time, it will first be overdue, resulting in bad credit. In the future, credit cards, mortgage loans, car loans, etc. will most likely be rejected.

In addition, you will also be subject to various means of collection by the bank. If you are overdue for more than 3 months and fail to repay after two effective collections by the bank, the principal amount owed will reach 50,000 yuan. Then you will have a credit card, the bank will report the case to the public security organ, and then you will be arrested and punished. So, just repay the money obediently.

So, how do you pay back your credit card if it is deactivated?

If the credit card is deactivated, the card cannot be used, so it cannot be repaid directly at the ATM machine, but it can be repaid through online channels:

1. Mobile banking repayment: Most bank mobile banking inter-bank transfers are free, and the transfer speed is relatively fast, and the transfer can be done in real time at the fastest.

2. Cloud QuickPass APP repayment: Alipay and WeChat now charge for repaying credit cards. If you want to repay for free, you can use Cloud QuickPass APP. There are 21 banks that can repay for free. Generally The repayment can be received on the same day, which is quite fast.

That’s it for the introduction of how to repay a deactivated credit card.