At present, it is an ideal choice for cardholders to automatically deduct money from inter-bank debit cards with credit cards, but the repayment ceiling set by some banks may lead to repayment failure, which deserves cardholders' attention. In addition to inter-bank debit cards, bank money funds can also be automatically deducted by credit cards-both earning fund income and automatic repayment. Among many credit card repayment methods, this innovative method can be described as the cardholder's first choice.

(1) There is an upper limit for the automatic repayment of interbank debit cards. "There are 1, in the savings card, 7, in the credit card, and only 5, in the automatic repayment of the credit card. What's the matter?" Recently, Mr. Jiang encountered a strange thing: in order to save trouble, he handled the automatic repayment business of binding credit cards with debit cards of other banks. It stands to reason that the credit card should automatically transfer the deposits of other banks' debit cards on the final repayment date, but in essence, the credit card failed to repay when the debit card balance was sufficient! It turns out that the issuing bank of Mr. Jiang's credit card stipulates that there is an upper limit of a single deduction of 5, yuan for the bound inter-bank debit card, which is the "upper limit of funds" regulation, which blocks the arrears that should have been remitted to the credit card. It is understood that at present, credit cards of banks such as Bank of Communications, Ping An, China Everbright, Shanghai Pudong Development Bank, CITIC and Minsheng support inter-bank automatic repayment. However, the bond debit card issuers supported by the above-mentioned bank credit cards are different, and the set repayment ceiling is also different. For example, the debit card banks supported by China Everbright Bank are ICBC, Agricultural Bank, Bank of China, China Construction Bank, Postal Savings Bank, China Merchants Bank and Industrial Bank. Due to the fact that the repayable amount is limited by the balance transfer limit of the debit card issuing bank, among them, BOC and Xingye debit cards have an upper limit of 5, yuan for a single deduction, and it cannot be repaid automatically if it exceeds 5, yuan. The remaining banks have no repayment ceiling. "Some debit card banks set an upper limit for the maximum amount of a single deduction for credit cards with inter-bank automatic repayment, while some banks do not set an upper limit. Customers should pay attention to this detail." The staff of a credit card center of a joint-stock bank said. In addition, he also reminded cardholders who consume foreign currency to ensure that the "automatic foreign exchange purchase repayment" business is opened on the card to ensure the timely and full repayment of the credit card.

(2) It's convenient for the bank to bond the goods to the credit card, but it's a pity for the cardholder that the repayment amount reserved in the debit card can only bear interest at the current interest rate. If you can bond the money fund to the credit card, you can earn the fund income during the interest-free period of the credit card and enjoy the automatic repayment of the goods. Isn't it killing two birds with one stone? The above-mentioned cardholder's financial dream has come true. It is understood that at present, ICBC, Bank of Communications and Guangfa Bank have launched the function of automatic credit card repayment with the money fund, so that cardholders can not only enjoy the fund income to the maximum extent, but also ensure timely repayment of credit card arrears. ICBC cash treasure, launched by ICBC and ICBC Credit Suisse Fund, is one of them. The reporter logged into ICBC Credit Suisse official website and realized that he could handle the business by clicking on the steps such as "Online Trading Center-Setting Repayment-Signing Agreement". Then, how much more income does it earn to choose automatic linked repayment based on goods than to reserve funds for current demand? The reporter calculated an account with ICBC cash treasure's 7-day annualized rate of return of 4.479%, the longest interest-free period of 56 days and the credit card debt of 5, yuan yesterday, and found that the income of automatic linked repayment during the interest-free period was more than 3 yuan than the current interest. "At present, cash treasure only supports the bank's credit card repayment, and non-bank cards do not support it for the time being." ICBC Credit Suisse staff added. Bank of Communications, China Guangfa Bank and E Fund Co., Ltd. jointly launched Express Express Express and Smart Money, which are similar to ICBC cash treasure. The cardholder will bind the goods-based products to the credit card and set the repayment amount to enjoy the fund income. "The premise of handling this business is that both the cargo base and the credit card are bound to the same savings account of the Bank." The staff of Guangfa Bank said.