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How to repay after credit card consumption
How to return the credit card?

There are three specific repayment methods:

1. You can use Alipay's automatic debit function to deposit funds into Alipay in advance, and the system will automatically debit the credit card for repayment a few days before the credit card repayment date.

2. You can log in to official website, the credit card bank, select Personal Business-Credit Card Repayment Settings, and repay with our debit card.

3. If you deposit money into a credit card account through a bank outlet or ATM, it will be automatically deducted.

credit card repayment

Introduction:

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the repayment amount is brushed out and the funds are returned to the bank. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay the loan at maturity may not only lead to law, but also bear high penalty interest, and the most important thing is to form a bad record.

Repayment process:

1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;

2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;

4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;

5. Query the transaction after repayment and print the receipt.

How to repay CCB credit card?

Customers can apply for CCB credit card repayment in the following ways: 1. Log in to mobile banking, and follow the prompts through the menu of "Credit Card-Card Service-My Account-Repayment for Yourself". The repayment amount can be selected as current repayment, minimum repayment amount or input repayment amount. Reminder: Please purchase foreign exchange for repayment before 22 o'clock every day. 2. Pay attention to and enter the official WeChat account of China Construction Bank. After binding the credit card, enter "repayment" in the WeChat official account dialogue mode to get the link, and follow the prompts.

(In case of business changes, please refer to the actual situation. )

How to return the credit card?

You can apply for credit card repayment through the following channels:

1. Zhang Yin: Please log in to Zhang Yin APP and click "Credit Card → Repayment" on the homepage to repay your own ABC credit card or someone else's ABC credit card; Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of credit card arrears of ABC.

2. Online Banking: Please log in to personal online banking and click "Credit Card → Repayment → One-click Repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.

Tips: If you need to return his credit card, you can transfer it.

(Answer time: June 25th, 202 1. In case of business changes, please refer to the actual situation. )

There are several ways to repay by credit card. How to operate?

There are four ways to repay by credit card, and the specific operation steps are as follows:

First, the savings card bundled repayment

Bundled savings card means that when you apply for a credit card, you are bound to the bank's savings card. Most cardholders are salary cards. Then the final repayment date of the credit card is after the entry date, so the bank will automatically deduct the money when it repays, so you don't need to remember the time. You just need to make sure that there is enough money in your debit card, which saves most of the time.

Second, online banking online transfer

When using a credit card, open the online banking of the issuing bank, so you don't have to worry about finding a bank and not being able to pay back the money. Just turn on the computer and log in to the online banking, enter the password and click the mouse to easily complete the repayment without paying any handling fee.

Third, third-party repayment.

Most customers who choose third-party payment are inconvenient to repay by credit card. They don't want to go door-to-door to the bank, so they download a software for their mobile phones and swipe their mobile phones to complete the repayment business for free. At present, there are Alipay wallets, as well as the palm life of China Merchants Bank, or WeChat launched by mobile phones can also pay credit cards online.

4. Repayment in Lacarra

There are definitely few banks that choose Lacarra, and there is no choice of bank outlets at all. Such as Citibank. There are only two banks in Beijing, so Lacarra comes in handy.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.

Inter-bank 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.

Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.

1, payee's account name, and fill in the name of the credit card holder.

2. Payee's bank: fill in "Bank Credit Card Center".

3. Transfer to payee's account: fill in 16-digit credit card.

4. Remarks: Fill in "Credit Card Repayment".

How to return the credit card

Credit card repayment methods are:

1. Bank deposit repayment:

Cardholders can bring cash and credit cards to the issuing bank's business outlets, apply for repayment from the staff, and then deposit the current arrears into the credit card with their help to complete the repayment.

2. Automatic repayment by tying the card:

Cardholders can bind their credit cards to their peers' savings cards, and then deposit some cash into the savings cards before each repayment date, waiting for the bank to automatically deduct the money.

3. Online banking transfer repayment:

The cardholder can log in to the issuing bank official website, then find the entrance of the credit card center, log in to the personal credit card online banking account, and repay on time in the corresponding repayment options.

4. Repayment on the third-party platform:

Cardholders can make credit card repayments on third-party platforms such as WeChat, Alipay and China UnionPay Express.

For more information about how to pay back money by credit card, please visit: See More.

How to use and repay credit cards

The most cost-effective way to use credit cards is to swipe more cards, repay on time, withdraw less cash and pay less by installments. As long as the credit card is used reasonably, there is no need to pay interest, annual fee, late fee, etc. And liquidity can be used for short-term investment in a short time, which is still very cost-effective. If you want to use your credit card reasonably, you can refer to the following tips:

1. Less cash, more credit cards

Credit card overdraft withdrawal fee is high, so you can't enjoy interest-free period. The withdrawal amount is calculated according to the daily interest rate of five ten thousandths, and the withdrawal fee ranging from tens to hundreds is deducted. Therefore, don't overdraw cash unless absolutely necessary.

2. You can enjoy the longest interest-free period by swiping your card after the bill is paid.

The interest-free repayment period of a credit card is from the date of consumption to the due repayment date after the bill date, and the longest and shortest difference is one month. Therefore, if you swipe your card on the first day after the bill date, you can enjoy the longest interest-free period.

3. Repay in full and on time.

When the credit card bill comes out, there will be a final repayment date. Be sure to repay before the final repayment date. If there is no repayment after the last repayment date, the bank will not only charge overdraft interest, but also pay late fees, which will seriously cause bad credit and cause a lot of inconvenience in applying for loans in the future. Moreover, you can enjoy an interest-free repayment period if you repay the money in full before the final repayment date (you can fully convert the money into consumption and cash withdrawal).

4. Only pay the arrears and avoid excessive deposits.

The overpayment part of the credit card is the part saved by the credit card holder after paying off the arrears. Many banks charge extra for the withdrawal of credit card overflow deposits (a few banks don't charge), which not only has no interest, but also charges extra, which is really uneconomical.

5. swipe your card more, free of annual fee

Credit cards charge an annual fee. Generally, an annual fee is charged the following year. However, most banks have regulations that the annual fee for the following year will be waived after the card is swiped for a certain number of times or scale every year. Therefore, you may wish to choose to swipe your card more when shopping. As long as you don't pay interest during the interest-free repayment period, you can still save some money. Why not?

Save points and exchange gifts

In order to encourage customers to use cards, banks will calculate points according to the amount of customers' consumption, which can be exchanged for gifts or deducted from consumption. So when shopping, places (regular businesses) that can swipe their credit cards will swipe their credit cards and accumulate points to buy gifts.

7. Rational staging

Many banks provide customers with installment payment services, including 3, 6, 12 and 24, which provides convenience for everyone to spend in advance. However, installment payment will generate extra expenses, so if you don't want to pay the handling fee, try not to choose installment payment if your spending power allows.

Credit cards can be repaid in the following ways:

1. intra-bank repayment

The repayment methods mainly include: 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.

2. Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card.

3. Convenience store repayment

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.

4. Online repayment

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Inter-bank transfer

Inter-bank 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.

This concludes the introduction of how to repay after credit card consumption and how to repay after Alipay binds credit card consumption. I wonder if you have found the information you need?