1, cash repayment at the counter, there is no handling fee for this.

2. Online banking can also be used for repayment, and it can be used by local banks in different places.

3. Lacarra and other intermediaries repay the loan.

4, Alipay repayment.

5. Repay the ATM deposit in the local bank.

6. Local inter-bank ATM transfer repayment.

7. repayment of ATM deposits in different places.

If you fail to repay the loan, you should contact the bank in time and apply for a grace period.

The explanation given by most banks is that it is best to settle the bill within one week. This is the repayment grace period that banks open to credit card users, at least three days, but if it is extended, there may be a certain relaxation period, so pay attention. Overdue, overdue time shall not exceed 90 days. If it is more than 90 days, this bad credit record has been upgraded and transmitted to the central bank's personal credit information system, which is the only inquiry channel in China's personal credit information system at present, and we must pay attention to it.

The overdue records in the central bank's credit report are all provided by commercial banks. Whether it is only a few days overdue will be recorded in the credit report depends entirely on the bank. First of all, it is reasonable if the bank report is overdue, because although it is only a few days overdue, the fact of overdue exists. However, in fact, I forgot to repay on time, but I didn't repay in time until three or five days after the deadline. There are many cases where there is no overdue record of credit investigation. Many people get preferential treatment from banks in this respect. However, I would like to remind you that it may not take a few days to generate overdue records, and the situation of each bank is different. Everyone should cherish their credit records and pay back on time, so as not to affect their credit information and reduce penalty interest expenses.

Credit card overdue had better not exceed one week. Every bank has a grace period for repayment, usually at least 3 days. Everyone should pay in advance as far as possible according to the actual situation.

Overdue consequences:

1, bear a high penalty interest.

2, cause legal disputes

3. Leave a "credit stain" in the national credit information system.

The suggestions are as follows:

1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. The arrears have been more than a month, and the next repayment should pay off two months' monthly payment and the penalty interest of last month in one lump sum.

If there is no delay in the future, the computer will eliminate this bad record after one year.

3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever.

4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.