I. Direct repayment by ATM:

If you don't have a friend's credit card, you can make a card-free transaction directly at the ATM, input your friend's, and directly transfer the money to your friend's card to achieve the purpose of repayment. If there is, you can directly deposit money for repayment.

Second, Alipay repayment:

1. Log in to Alipay account and click Application Center-Credit Card Repayment-Credit Card Management.

2. Click Add Credit Card.

3. Fill in the credit card information and click OK.

4. The credit card was successfully added. The next credit card repayment can directly choose the set credit card for repayment, which is convenient and fast. You can also choose to modify settings or delete credit card information.

Use Alipay to help others pay back their credit cards, and pay back through Alipay mobile client for free; Repayment by computer, the repayment rate is 0.20%, ranging from the lowest in 2 yuan to the highest in 25 yuan.

Tips: The name of the account is the same as the name of the receiving bank, which means repayment for me; The account name is inconsistent with the name of the receiving bank, and repayment is made for others, including the relationship between the traditional Chinese characters and simplified Chinese characters of the credit card holder's name and Alipay account name.

Third, online bank repayment:

First of all, you must open online banking, and then directly use online banking to transfer money to the other party's credit card, which can also achieve the purpose of repayment.

Four. Repayment of business outlets:

When you arrive at the business outlet, you can directly transfer the money into the other party's bank card, and the salesperson will implement it after you confirm it, so as to achieve the purpose of repayment.

Note: whether you repay by yourself or for others, you must repay before the minimum repayment date. Otherwise, it will cause overdue, credit damage and interest increase.

Extended data:

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.

Repayment method:

In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

How to help others return their credit cards?

There are many ways to help others pay back their credit cards. Let's take WeChat as an example:

I. Operating steps of repayment on behalf of WeChat

1. First open the mobile phone WeChat, click "I" and enter "My Wallet";

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

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

Tip: You can choose to pay by change or bank card.

Two. Matters needing attention for repayment on behalf of WeChat

1. Confirm the returned credit card and the correct name of the cardholder;

2. Not all banks can repay via WeChat. It is understood that credit cards of China Merchants, Industry and Commerce, Bank of Communications, Bank of China, Guangfa, China Construction Bank, Xingye, CITIC, Ping An, Agriculture, Minsheng and Everbright, as well as Shanghai Pudong Development Bank, Jiangsu Bank, Bank of Ningbo, Nanjing Bank, Shanghai Bank, Beijing Bank, Hangzhou Bank, Hankou Bank and Shanghai Rural Commercial Bank, can all be repaid through WeChat.

3. Pay attention to the arrival time of credit card WeChat, master the arrival time of WeChat repayment, and avoid overdue credit card.

Tip: To help a friend pay back his credit card, you must keep your word, otherwise it may cause irreparable losses.

How can I repay someone else's credit card with my online banking?

1. Open the online banking app of China Construction Bank and click "Credit Card" below.

2. Find the "I want to repay" option in the credit card interface, and click Enter.

3. Find the "repayment for others" option in the interface where I want to repay, and click Enter.

4. Enter the relevant information and repayment amount of the credit card to be repaid, and click Next.

5. Fill in the verification code received by the mobile phone and click "OK".

6. After that, enter the withdrawal password, and then you can repay others with your credit card.

How to repay someone with a credit card

Question 1: How to repay someone else's credit card with your own savings card of China Merchants Bank? Hello, if your China Merchants Bank Card has applied for professional online banking, please log in to the professional version, click "Transfer and Remittance" in the first line above, and follow the prompts.

If you have any questions or comments, please log on to online customer service forum.cmbchina/...ncmu=0 for consultation, and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

Question 2: Can Alipay repay someone else's credit card? Yes, there is a charge for returning someone else's credit card by computer operation, but there is no charge for mobile phone operation.

Computer operation: log in to Alipay and enter the home page. There are many application icons at the bottom left, and there is a "credit card repayment" in it. Click Enter, then fill in the credit card information you want to return, confirm the payment, and then choose the payment method, which can be Alipay balance, Yu 'ebao, money on the savings card, etc. Just enter the password to complete the payment. According to the credit card issuer and the repayment operation time, the arrival time is different.

Mobile phone client operation: log in to Alipay, find "Credit Card Repayment" in the application icon on the home page, click Enter, then fill in the credit card information you want to return, and confirm the payment. Then a window will pop up for you to fill in the payment password. If you want to use another card for repayment, please click "Select Other". You can't pay back the money by using integral treasure here.

Question 3: How to use WeChat to help others return their credit cards 1. How does WeChat help others return their credit cards?

Actually, it's similar to returning your own credit card. You can use WeChat change to repay, or you can use the bound savings card to repay. The specific repayment steps are as follows:

1. Enter WeChat, find "WeChat Wallet" and select credit card for repayment;

2. Add the credit card to be repaid, enter other people's credit card information, name and confirm the card binding;

3. Click the bound credit card, enter the repayment amount, click Repayment Now, and enter the payment password to complete the repayment.

Second, help others return their credit cards.

To help others pay back their credit cards through WeChat, we must pay attention to two points, one is the repayment limit, and the other is the arrival time:

1. Repayment limit: the single repayment for another person's credit card shall not exceed 2,000 yuan, and the maximum monthly repayment limit shall be 1 1,000 yuan.

2. Arrival time:

① Real-time receipt: Xingye, CITIC, Ping 'an, Farmer Health and Everbright;

② Arrival on the same day: China Merchants, Industry and Commerce, Bank of Communications, Bank of China, Guangfa and China Construction Bank;

3 2-3 working days: Jiangsu Pudong, Ningbo, Nanjing, Shanghai, Beijing, Hangzhou, Hankou, Shanghai Rural Commercial.

Reminder: It is best to use WeChat to repay others' credit cards a few days in advance, so as not to repay in time and affect others' personal credit.

Question 4: How to help others return their credit cards?

Two ways to withdraw cash from credit cards:

A way to withdraw money directly from UnionPay deposit and withdrawal machines can only get half of the credit limit. For example, if the credit line is 50,000, only 25,000 can be withdrawn at most.

Another common way to withdraw cash is to brush it out on a POS machine. In the way of virtual message, the merchant charges a small fee and gives you cash directly. The bank doesn't know how you got out. As shopping expenses. There is an interest-free period. Have a plenty of 50 days, as long as it is paid off within the specified time, it will not generate interest.

Note: If the cardholder fails to repay the loan on time, he must bear the overdue repayment interest higher than the overdraft interest, which may cause a bad credit record. If he borrows from the bank in the future, there will be problems and even bear the legal risk of personal credit loss.

Question 5: Can WeChat credit card return other people's cards? Hello! Yes, you can. Just enter the user name and bind it to repay the loan. I hope I can help you, please adopt!

Question 6: How to repay your own credit card with someone else's bank card? The operation should be bank transfer.

If it is an inter-bank operation, the other bank may charge a transfer fee, but I heard that online banking and ATM transfer are free now. You need to consult the bank to which the other bank card belongs.

Question 7: Can I repay my credit card or someone else's credit card through online banking? Hello, if you use a China Merchants Bank card, you can repay me or someone else's credit card by online banking transfer. The credit card has been charged, and this is the amount to be paid back.

Question 8: Pay attention to cashing other people's credit cards. If you don't pay attention to cashing, you can post it and then give him money. You must pay attention to repayment. Brush a small amount first to see if the card is normal, and then repay it in several times. You must prevent others from reporting the loss after returning the credit card.

How to increase the credit card quota, send the technical data of credit card withdrawal and the network POS machine.

1. Increase the frequency of swiping cards and accumulate data in the system as much as possible; The reference number is about 25 times a month;

2. Increase the credit card limit, and the bill for each period shall not be less than 80% of the total amount;

3. Repay in time and maintain a good credit record. (Going in the day before the billing date can reduce the debt of the credit report)

4. Use credit cards as widely as possible. Only by increasing the frequency of use and consumption categories can we lay a good foundation for cash withdrawal.

5. Try to choose POS machines that can be consumed with points, and maximize the accumulation of points during the activities of banks or merchants.

6. You can choose an appropriate amount for installment, which can make the issuing bank earn some money and help to increase the quota.

7. In the process of use, if you add new real estate, such as cars and houses, you can go to the counter of the issuing bank to supplement the information, that is, the new financial certificate. This move is also very effective.

You can keep asking for an increase in the temporary quota.

Question 9: What should I pay attention to when returning credit cards for others? Hello, attitude is the most important thing in this situation.

No matter how much money you owe, you should take the initiative to pay it back.

Banks generally don't,

But if you don't answer the phone at all, you will.

Credit card overdue solution:

1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other accidents, the cardholder should take the initiative to call the bank credit card center to make a statement before the deadline for repayment comes.

Your own financial situation, declare that you have no malicious default, and apply for deferred repayment and interest concessions.

2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc.

In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,

And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will no longer be available.

Scroll, but keep it for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, and maintain a good credit during this period, so that you can.

By rolling records, bad records are removed from the credit information system.

In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't get through. Therefore, it is necessary to develop a good habit of using credit cards and learn more about them.

Get ready for the solution in the future!

Question 10: How can I help my friend return the credit card of China Merchants Bank? You can connect another bank (that is, your bank) with the credit card of China Merchants Bank. When he swipes his card, the bank will automatically repay from the bank he is associated with, and the repayment date is the last day of the interest-free repayment period. So you don't have to go to the bank to repay. Save time, effort and money.

Lend a friend a credit card, how to make him repay it?

1. Explain the interest to the other party and directly ask the other party to pay back the credit card and money; If the communication fails, only call the bank customer service phone to freeze, otherwise the loss will be even greater.

2. The functions of credit cards are roughly as follows:

(1) provides overdraft service of "consumption first, repayment later". All credit cards applied by banks have credit limits. Within the credit limit, cardholders can swipe their cards first and then repay on the repayment date. (2) Credit card discount: Now many banks have cooperation with offline and online merchants, and they can enjoy discounts when shopping and traveling. (3) Increase personal credit: use credit cards on time.

1. How to repay someone else's credit card:

To repay someone else's credit card, the customer can charge the money into the other party's credit card within the prescribed repayment period. Self-service machines such as personal online banking, mobile banking client, credit card app, bank outlet counters and ATM machines can all operate transfer and remittance; And third-party payment platforms such as WeChat and Alipay.

If the other party has signed an automatic repayment agreement with the issuing bank and bound the repayment bank card, the customer can also deposit the money into the other party's repayment bank card, and the bank will automatically deduct the money from it on the repayment date to repay the current bill. It should be noted that the deposit amount must not be lower than the minimum repayment amount of the bill, otherwise it will be overdue, resulting in personal credit damage. If the bill cannot be repaid in full, in addition to the minimum repayment amount, it can also be repaid in installments. As long as you know the other party's credit card, transaction password, online banking/mobile banking account, login password and other related information, you can also help with the bill installment through online banking and mobile banking, and then deposit money into the card in installments according to the selected installment number.

2. How to calculate credit card interest:

Looking at the interest rate and interest-bearing method of credit card interest, banks usually compound interest on credit card interest on a monthly basis; Calculating compound interest on a monthly basis is to add up the principal interest of last month and then calculate the interest of next month, and so on. If the minimum repayment amount is not reached before the latest repayment date, a late fee will be charged, specifically 5% of the unpaid part of the minimum repayment amount.

How to return someone else's credit card?

Wechat: 1. Open WeChat and click "I"-"Pay" in the lower right corner.

2. Click "Credit Card Repayment" under Tencent Services.

3. Click "Add Credit Card" below.

4. Enter the name of the other party, bank and cardholder, and click "Confirm".

5. Click on the other party's credit card to enter the repayment interface.

6. Enter the repayment amount and click "Repay Now".

Alipay: 1. Open the Alipay interface on your mobile phone and click "Credit Card Repayment".

2. Click "Add repayment type".

3. Click "Return Credit Card".

4. Enter the counterparty, bank and name, and then click OK.

5. Enter the repayment amount and click "Confirm Repayment".

Operating environment: Apple 12, ios 14 Alipay version 10.2.3 WeChat version 8.0. 13.

After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

Except for ICBC, the other 12 banks still carry out full penalty interest. Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths. In addition, some banks stipulate that interest shall be calculated at five ten thousandths within 15 days from the bookkeeping date, ten thousandths after 15 days, and fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit. The longer the default time, the higher the penalty interest.

For example, suppose Miss Li's billing date is 10 every month, and the last repayment date is 28th. On June 1 1 day, she spent 1000 yuan. On July 28th, when Miss Li was short of money, she paid the minimum repayment amount 1000 yuan first. Then the recurring interest expense on the bill on August 10 is: 10000 yuan ×0.5‰ (July 28th to June 1 1) (10000 yuan ~ 1000 yuan).

If the cardholder fails to pay off the minimum repayment amount, in addition to the circulating interest charges, there will be a late payment fee, which is calculated at 5% of the unpaid part of the minimum repayment amount. If Miss Li only pays 500 yuan back, the late payment fee is (1000 yuan ~500 yuan) ×5%=25 yuan. In this case, the circulation interest expense will rise to 296.75 yuan, and Miss Li's total penalty interest this month is 3,265,438 yuan +0.75 yuan.

This is the end of the introduction on how to return other people's credit cards and how to return them. I wonder if you have found the information you need?