If the user has third-party payment software, such as Alipay, WeChat, JD Finance, etc. Then these third-party software can use the bound bank card or the balance in the account to pay back the credit card.

Or users download mobile banking, and mobile banking transfers money to pay back credit cards. Among them, there is no handling fee for mobile banking to transfer money to credit cards.

Third-party payment software may charge a fee for returning credit cards. If the user wants to pay back the credit card for free, he can choose the mobile phone bank card to repay.

Extended data:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.

20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and social demand.

Can I repay my credit card with my mobile phone bill?

Credit card repayment cannot be repaid by mobile phone bill, and credit card repayment must be within the validity period.

As the credit card has not been repaid, its legal consequences mainly include:

1 will generate high overdue interest.

2. If sued by the bank, it will cause economic losses such as legal fees and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount owed is more than 6,543,800 yuan, which constitutes a credit card crime, criminal responsibility shall be investigated.

criminal law

Article 196 Whoever engages in credit card activities under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

How do you return your credit card?

Individuals can have at most 10 credit cards. At present, there are only two cards left, namely Bank of China and Bank of Communications, with quotas of 65,438+and 60,000 respectively, and the others have been sold out. The main reasons for cancellation are trouble, trouble to use and trouble to get up. If it is cancelled, it won't be so much trouble. Briefly talk about how individuals can repay their credit cards:

I. Credit card repayment method

Generally, there are three repayment methods: full repayment after bill, installment repayment and minimum repayment.

Full repayment. Individuals can pay back in full after the bill, or pay back every day after the bill, mainly because they can get Alipay ant feed and replace it before the repayment date.

When I am short of money, I always pay in installments. I heard that it's silly to raise the amount by installments, but personally, I think the interest and handling fee add up to almost 10%, which is also relatively high. Not after a few issues.

The minimum repayment amount, interest and handling fee are so high that I have never used them personally. I suggest using them again.

In addition, individuals sometimes use consumption to repay.

Second, the credit card repayment method

There are many ways to repay by credit card. I only say my personal way of repaying.

1, cash counter or ATM for repayment. I used it six or seven years ago, but it is basically not used now.

2. It is more convenient to repay the loan in Lacarra, but there is a handling fee every time (I don't know if there is any), which is very annoying and is no longer needed.

3. After repayment by WeChat and handling fee, transfer to Alipay.

4, Alipay repayment, repayment with Alipay, mainly to get chicken feed every day, 10 yuan and 8 yuan expenses every day.

5. Transfer money through online banking. When the handling fee charged by WeChat and the amount of Alipay are insufficient, transfer money through online banking.

6, UnionPay silver flash payment, now is the main repayment method, convenient, no amount limit, no handling fee.

Whether it's credit card consumption, this, that white note, this payment, that APP, all loan consumption will be repaid in the end, and emergency can be done, but it is recommended that consumption should be within our means.

Answer the main question first: multi-channel and multi-batch full repayment!

People who have used the card for more than half a year must understand one thing: credit cards not only need diversified consumption, but also need diversified, multi-channel and full repayment!

There are two reasons. First, for banks themselves, in today's Internet information age, banks should not only know more about your central bank's credit information, but also know more about your personal big data. Needless to say, the central bank has the right to inquire, but big data has to be obtained from your daily consumption expenditure and internet financial lending! You let the bank know more about your positive information, your quota, your withdrawal speed, and your loan repayment must have an advantage over others! The second is that for you personally, the creation of high-quality big data is inseparable from consumer spending and the loan relationship between you and the bank. Multi-channel repayment is conducive to building your personal high-quality big data!

There are ten channels for credit card repayment, but there is no free lunch in the world, and there are only a few platforms that do not charge or limit! Today, I would like to introduce several free platforms that I personally prefer to use in my daily life for your reference! There are Alipay, online merchant bank, China UnionPay Express, Jingdong Finance, Suning Finance, Wing Payment, ATM, our savings card, credit card APP and so on!

We only talk about online channels, which are convenient and easy to operate!

I. China UnionPay Express Pass

Each credit card can be repaid five times a month, and the required repayment amount is not less than RMB 10 yuan.

Second, Alipay.

The monthly limit is 2000 yuan. Although the amount is small, it can be repaid in several installments. Again, want more.

Third, online merchant banks.

There are not many banks docked. Not every bank's credit card can be repaid. Compared with Alipay, the quota is not limited. Maybe Ali is trying to promote the online merchant bank!

Fourth, Jingdong Finance

Every bank has a free repayment amount of 1 10,000 yuan. There are more docking banks than online merchant banks, but most city commercial banks still don't!

Verb (abbreviation of verb) Suning Finance

As a new generation of e-commerce, Suning has the blessing of Suning Bank, but the free repayment amount is a bit stingy, with a free amount of 1 10,000 per person per month!

Sixth, wing payment

Everyone knows that Wing Pay is a telecom, but not many people use it to pay back their credit cards. Like Suning, there is a free repayment amount of 10 thousand yuan every month!

Seven, savings card repayment, credit card APP repayment

1. Bank Savings Card Customer Repayment

Here, I would like to say for Cardo's friends that one or two cards don't matter. More than six cardholders are not allowed to apply for a savings card for each credit card.

But it is necessary for me to explain that it is best to get a savings card for a credit card. Savings cards are still very useful!

A. Cash withdrawal by credit card is actually closely related to the use of savings card. If you want to withdraw cash, you have to spend more time on our bank's savings card, transfer more money and increase the viscosity!

B. the advantage of bank savings card repayment is that it will arrive immediately without delay. If it's the final repayment date, only the bank's savings card can save you!

2. Credit card APP binding repayment

If you apply for a credit card now, there will always be a binding repayment. My suggestion is that you'd better write it down. Whether you have a savings card or not, at least you can be reminded on the repayment date!

Eight, repayment is a technical job.

1. If you want to reduce your debt and don't want your credit card debt to be too high, you will be repaid one day in advance by our savings card APP, which can shield your debt!

2. Normal billing and normal repayment

A. Pay the bill on the first day, about 25% of the bill amount. Be sure to cover the minimum repayment amount and pay it back with our savings card APP.

B. Repayment cannot be paid off in one lump sum, and the repayment frequency should not be too fast. You should pay the bill while swiping your card.

C. Diversification, multi-channel and repayment sequence

Generally speaking, the repayment ratio of savings cards and credit cards is 25%, and the remaining 50% is paid off through other channels.

The repayment ratio is 25% as soon as the savings card is issued on the account date, covering the minimum repayment first to ensure that it is not overdue.

Except for the savings card, the bank's credit card will be repaid immediately, and there is a certain time delay in repayment through other channels, so the minimum repayment amount cannot be repaid on the repayment date or grace period!

The above are some of my experiences in returning my credit card, I hope it will help you!

I have a credit card, which is a platinum card of China Bank, with a limit of 50,000.

The credit card is bound to WeChat, because it is generally paid first from the credit card, so it is very convenient to use. In addition, if you spend the money in your credit card, you can save your own money and manage your finances without paying the handling fee yourself. As long as the repayment is made on time, there will be no interest. Why not?

However, I am always worried about missing the repayment period and forming a bad credit record. Although the final repayment period is 12 days per month, I will pay attention to check the statement around the 29th of each month. See how much you need to pay back that month, and then pay it off directly in one lump sum.

I haven't done any installment payment, but the customer service of China Bank is really annoying. As long as we find that there is a large amount of consumption in a month, we will call regularly to publicize the benefits of installment payment, the interest rate is zero, and so on. The zero interest rate is true, but why didn't you tell me there was a handling fee? Isn't this misleading consumers? The point is that I use my credit card for convenience and I'm not interested in these things. So, once I was really annoyed, I told the other party that the other party was suspected of harassment and said that I would complain. Since then, similar harassing calls have basically disappeared.

When using a credit card, the most important thing is that it cannot be overdue, otherwise it will affect the personal credit record. Especially as the legal representative of the enterprise, once it is expected, it will directly affect the enterprise's loan from the bank, and it is often necessary to write a note to the relevant bank to prove that it is not a malicious breach of contract, which is still quite troublesome to deal with.

Hello, I'm Zhongyuan Cafe.

Credit card has become an increasingly important financial tool in people's lives, which provides great convenience for everyone and relieves the financial pressure of some people. Of course, it is convenient to remember to repay, and the bank also provides three repayment methods for everyone.

1, full repayment

In this way, the cardholder will pay off all the bills before the repayment date. If the bill amount is large, the repayment person needs to have certain financial strength. This is the bank's first choice, indicating that cardholders have enough spare money. If you have repayment pressure, you can choose the following repayment methods.

Step 2 repay by installments

Installment repayment is a way for banks to launch for those cardholders who are unable to repay in full and have financial pressure. Repayment can be divided into 12, 18, 24, etc. according to their own economic strength, so that banks can earn certain interest and achieve a win-win situation while relieving pressure.

3. Minimum repayment amount

The minimum repayment amount is generally 65438+ 00% of the amount of the bill to be repaid, but the bank will charge interest, and the interest is five ten thousandths, which is calculated by compound interest. This repayment method will not affect the credit information, but the interest amount is relatively high, which seems to ease the repayment pressure, but the bill will become bigger and bigger.

In short, everyone can choose the repayment method according to their own strength, and individuals do not recommend using the minimum repayment amount.

In the era of credit consumption, credit card has become our most commonly used consumer payment tool. Credit cards have two dates, one is the billing date and the other is the repayment date. However, it is easy to overdue the repayment. How can a credit card be better?

First, three ways of credit card repayment

Credit card repayment is divided into three ways, one is full repayment, the other is minimum repayment, and the third is installment repayment.

1, full repayment

Full repayment means paying off all the expenses on the billing date before the repayment date. This repayment method is full repayment, enjoying the interest-free period of the credit card, and will not generate any expenses other than the consumption amount. Generally speaking, users who repay in full have relatively matched capital and consumption power, stable income, excellent credit information and long-term repayment on schedule. Banks will classify such users as high-quality users and take existing help for subsequent credit cards.

2. Minimum repayment amount

The minimum repayment amount is the minimum threshold for monthly repayment, but the unpaid part will not continue to enjoy interest-free. Therefore, interest will be generated. This part of interest is calculated according to five ten thousandths of a day. Therefore, unless it is carried out in the short term, in the long run, the repayment burden will actually increase because of interest.

Step 3 repay by installments

At present, many installment payments are at 0 interest rate, but the handling fee is more expensive. Repayment by installments is suitable for a long period when funds are tight, which can be divided into 6 installments, 12 installment, 18 installment, 24 installment, etc. The lowest unit price of monthly handling fee is 65438+February, but in fact, the shorter the overall handling fee, the less the cycle. You can choose according to your actual situation.

Second, repayment skills

The above three are three basic repayment methods. However, the specific repayment is still skillful.

1, reasonable use of interest-free period

The interest-free period of credit cards is generally about 45-50 days, but the difference between the billing date and the repayment date is no more than 30 days. So, how can we effectively use the longest interest-free period? This principle is very simple, that is, to repay a part before the billing date, thus releasing the quota. The consumption after the billing date is included in the next month's bill, and the repayment date is also the repayment date of the next month, thus making full use of the interest-free period.

2. Repay in installments.

After the bill date comes out, we can repay in batches before the repayment date, thus releasing a part of the consumption limit, ensuring that the credit card can continue to consume, and in addition, we can reach the minimum amount of credit card repayment, ensuring that it will not be overdue. Basically, keep the frequency of using credit cards while repaying, and settle the remaining arrears on the repayment date.

To sum up, the three repayment methods of credit cards are full repayment, installment repayment and minimum repayment. You can also use some tricks to repay the loan, which can not only help increase the quota, but also increase the flexibility of your own funds and avoid overdue.

There are many ways to return the credit card.

1, the credit card is associated with its own savings card, and the credit card automatically deducts money from the savings card account every month.

2. Transfer money manually. Pay back the credit card through mobile banking and online banking every month, or pay back the credit card through ATM self-service deposit.

3. In the case of shortage of funds, the following measures can be taken:

(1) Paying back the minimum repayment amount of the credit card will not affect your credit information, only pay interest, and it is the interest of the total repayment amount (the minimum repayment amount that has been paid will also be counted as interest).

(2) Installment billing. According to their own funding arrangements, it can be divided into six periods, 12 and so on.

There are three main payment methods for ordinary people to pay back their credit cards;

First, repayment is made through official online channels of credit cards such as mobile banking and online banking.

This method is one of the most popular and convenient forms at present. As long as the online service function of bank card and debit card is enabled, and there is enough balance in the debit card, we can complete the repayment operation with our fingers. In addition, through online banking, mobile banking and other channels, you can also set up the function of automatic repayment, eliminating the trouble of manually remembering the repayment date.

The second is to repay through third-party channels such as Alipay and WeChat.

This is also one of our young friends' favorite ways. Compared with online banking and mobile banking, young people are more willing to send money to Alipay and WeChat, so that they can get considerable income on weekdays, and they can also make credit card repayments at any time and enjoy certain repayment concessions. It is really convenient.

Third, repayment through the bank counter is suitable for middle-aged and elderly customers who are not used to online operation. Then it is feasible to pay cash at a nearby bank outlet before the monthly repayment date.

To sum up, our people's daily repayment methods are mainly divided into online and offline. Online repayment can also be divided into official credit card channels and third-party channels, which can basically meet our daily repayment needs.

At present, I have used three ways to return my credit card, as follows:

Alipay

Because I just used the credit card, it is very convenient to pay back the credit card with Alipay, so there is no need to go to the bank and no handling fee. However, some systems of Alipay have been changed. Everyone has a free repayment of 2000 yuan per month. When the monthly repayment amount exceeds 2000 yuan, a handling fee will be charged. Therefore, now generally small repayment, I will choose to use Alipay.

Mobile banking application

My credit card belongs to China Bank, and I also have a debit card from Zhang Zhongxing. When there is a big repayment, when the balance of BOC debit card is sufficient, I will make repayment through BOC mobile APP. The advantage of this repayment method is that there is no handling fee for large repayment.

China unionpay express pass

China UnionPay Express is a UnionPay card management and mobile payment software. There is no handling fee for this software to return the credit card. I usually use China UnionPay Express to repay the loan under the following circumstances. For example, my China UnionPay Express is bound with BOC debit card, BOC credit card and CCB debit card.

If I need to repay 10000 yuan, but the balance of my BOC debit card is insufficient, and the balance of CCB Opportunity Card is 20,000 yuan, I will choose this way to repay. After all, there is no handling fee and you don't have to go to the bank again.

Finally, I hope everyone will cherish credit, rational consumption, rational consumption, and a gentleman loves money and takes it properly.

Alipay is free, just add a credit card.

Credit cards are no strangers to modern people. Eating out, many people use credit cards, watch movies, buy clothes, go to the supermarket, buy cars and so on. Many people have formed the habit of spending by credit card. Azuma Tani used to spend money by credit card when he was young, but as he grew older, he suddenly returned to the original payment method. In other words, if you earn more, you will spend more, and if you earn less, you will spend less. Now it seems that a bunch of credit cards have become treasures.

Only a few times a year, in order to avoid the annual fee of credit card. Many banks have to trade their credit cards several times a year in order not to deduct the annual fee. There are three main ways to return credit cards:

The first most common repayment method is the minimum monthly repayment, because there will be a minimum repayment in proportion. The second method is to pay as much as you have, for example, if you have some spare money, you will pay more, and if you have less spare money, you will pay less. The third way is to repay in full every month, so as not to delay for too long and accumulate more and more.

Generally speaking, pounding is the third repayment method. I always feel that I don't feel good about owing money, so I seldom owe money. This is also a sign of good faith. I hope to start with me. What's more, if a credit card accumulates, it will have extra interest, which can be easily felt by tens of thousands instead of hundreds of thousands. Therefore, it is recommended that people who use credit cards pay off as soon as possible and get rid of the burden as soon as possible!

What are the credit card repayment methods? Can I pay the phone bill with my mobile phone?

I haven't heard that I can pay the phone bill with my mobile phone bill.

Credit card repayment can be made through online banking, mobile banking, karaoke machines in convenience stores, ATMs, counter repayment and quick money. Com, China UnionPay online transfer repayment, etc.

Generally, debit cards are used to pay back credit cards, or cash is used to pay back.

From the introduction of telephone bill to credit card to stop here.