Is the credit card smart repayment app legal?

How to set up automatic credit card repayment?

First, open Alipay wallet and click "Credit Card Repayment" on Alipay wallet.

2. After entering the "Credit Card Repayment" page, we can see the credit card information. Click on the triangle below the credit card, and you can see the item "Automatic repayment enabled".

3. Click "Enable Automatic Repayment", and we will see "Enable it immediately", and then click "OK" in the reminder to import the mail bill, and the bill will be imported automatically.

4. After importing the bill, we will return to "Enable Automatic Repayment", then click "Enable Now", and then click "OK" in the reminder of importing the mail bill, so that automatic repayment can be set. Click "OK" after setting to start automatic repayment.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: v 10.2.56

Alipay is a third-party payment platform, which was launched in June 2003 at 5438+ 10 and June 2003 at 5438+May. Originally a department of Taobao, a website of Alibaba Group, it officially operated independently on February 8, 2004. Now it is a subsidiary of Ant Financial, which is independent of Alibaba Group. Alipay has developed from a single payment tool to an open platform that provides payment, living services, government services, social interaction, wealth management, insurance, public welfare and other scenarios and gradually covers the whole industry.

In addition to providing convenient basic functions such as payment, transfer and collection. , but also quickly complete credit card repayment, phone charges, water, electricity and coal charges. Through the intelligent voice robot, you can reach hundreds of life services in one step. You can not only enjoy consumption discounts, interact with friends, but also manage money easily and accumulate credit. List of countries and regions covered:

Hongkong, China, Macau, China, Taiwan Province Province, China, China, Japan, South Korea, Singapore, Malaysia, Thailand, Vietnam, Philippines, Indonesia, Australia, New Zealand, Ireland, Britain, France, Germany, Italy, Switzerland, Austria, Belgium, Netherlands, Monaco, Spain, Greece, Sweden, Denmark, Norway, Finland and Russia.

Is it reliable to earn thousands of dollars a day by smart repayment?

Not reliable.

Intelligent repayment is to repay you by using the interest-free period from the billing date to the repayment date. It is not a one-time repayment, but a credit card consumption through the platform, and then it is also, consumed, and recycled until the bill is paid this month. The refund APP agent only needs 5%~ 10% of the balance in your card to pay off all your bills.

As long as it is related to credit cards, there will be certain risks. "Smart credit card repayment" is just a way to help those who can't pay off their credit card bills on time due to financial problems. Can't say that smart repayment is a scam. Can only say that smart repayment software is good and bad. After all, there are smart software on the market that can really help people who can't get credit cards to pay their debts, and there are also black-hearted companies that abscond with money. The key is to choose reliable software and reliable platform, so that security can be guaranteed.

If you choose a formal and safe platform, this repayment method has certain benefits. First of all, it helps you solve the problem that credit cards can't repay in time and avoid overdue.

Secondly, smart repayment, as the name implies, is intelligent. During the repayment period, the system will automatically help you get it, without your own cumbersome operation.

The most important thing is that banks like small consumers very much. The higher the frequency of consumption, the higher the quality users will be recognized by banks. The system will allocate different dates and different time periods reasonably, and then execute according to the small bill. A lot of small bills will be swiped from your card and returned, which will make your bill extremely beautiful and help to increase the amount of your card.

Is the platform of smart repayment credit card reliable?

Smart repayment software is not reliable, especially with APP credit card smart repayment to guard against loan traps.

Smart repayment is actually repeated cash repayment. Once "cashing out" is confirmed by the bank, it may face the consequences of reducing the credit line, and may even violate the law seriously. Therefore, it is not only illegal for consumers to use the "smart repayment APP", but also fall into other loan traps.

In the Notice on Risk Inspection of New Internet Finance Forms issued by the National Internet Finance Security Technical Expert Committee, it is mentioned that the National Internet Finance Risk Analysis Technology Platform found a business model combining "credit card repayment" with Internet finance, saying that this kind of business involves illegal cashing of credit cards, high platform fees, security of users' credit card information and other issues, and the potential risks are worthy of attention.

According to the statistics of the national Internet financial risk analysis technology platform at that time, credit card platforms mainly existed in two forms: websites and apps, and some platforms operated both websites and apps. The technology platform has monitored more than 40 replacement platforms 140, including more than 70 related website platforms and more than 80 operating apps.

The most formal smart repayment app

Credit card repayment software is better in the following aspects:

1, 5 1 credit card manager

As early as May of 20 12, 5 1 Credit Card was established, creating a "5 1 Credit Card Manager" APP to help users manage credit card bills with one click, and manage more than 30% of active credit card bills in China.

The software can not only realize the automatic import of mail bills and query bills at any time, but also set credit card repayment reminders and provide one-click repayment operation. It also supports mainstream repayment channels such as 5 1 Pinbao and Alipay.

2. Ka Niu Credit Card Manager

Kaniu Credit Card Manager is a professional software for managing credit card limit. Support the full-automatic SMS bookkeeping function of China Merchants Bank, China Construction Bank, China Bank, Agricultural Bank, Industrial and Commercial Bank of China, Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank and other 178 banks, and support about 200 bill templates of 50 banks.

In addition, you can also manage real cards and set repayment reminders.

3. Digging wealth as a credit card housekeeper

Users can manage credit cards by binding multiple mailboxes, supporting four major state-owned banks and nearly 20 banks such as China Everbright, Guangfa, Shanghai Pudong Development Bank and Xingye, and supporting multi-national currencies.

After the mailbox is bound, the consumption information of personal credit cards will be automatically entered for intelligent data analysis, and data such as monthly minimum repayment amount and interest-free period will be calculated according to the situation of each bank. Details such as repayment, minimum repayment, interest-free period and bill of each credit card will be presented in the application. Moreover, the software will also push the repayment reminder 3 days and the same day before the repayment date.

Credit card revolving repayment skills

Credit card revolving repayment technology is relatively simple. You can use 1 card to withdraw cash, then use it to return the second card, continue to withdraw cash with the second card, and then return it to 1 credit card. This method has more advantages. If there is a big difference between the two cards, you can choose to pay them back in several times. Then there are some preconditions, that is, the repayment date and billing date of the two cards need to be staggered, so that you can have enough time to operate.

1, credit card recycling method

For example, a bill owes about 4000 yuan, if the credit card has no money to pay it back. You can use 2000 yuan to pay back 4000 yuan of the credit card, pay it back for two days first, and deposit it immediately after taking it out the next day, which is equivalent to completing two repayments. However, in this process, it is not that there is no need for any fees, but the corresponding withdrawal fees should be paid.

2. Is there any charge for credit card revolving repayment?

In the process of credit card revolving repayment, if cash withdrawal is involved, there will be fees, mainly procedures. As for the procedure, it depends on what credit card you are. Generally, it is around 1%, and the minimum charge for a single transaction is around 10 yuan. The interest of some banks may be calculated from the next day, such as 5/ 10000. If it is 2000 yuan, the daily interest is basically one yuan. Because credit cards are not allowed to repay another credit card by direct transfer at all, this method is the only choice.

3. What is the smart way of credit card revolving repayment?

In fact, you can choose the smart repayment method, which is the latest repayment method. As long as you leave 5%~ 10% of the funds in the credit card, you can effectively realize immediate full repayment, and one-click setting is relatively simple and convenient. In addition, it is necessary to effectively set some repayment time according to the repayment amount, and the repayment times or repayment amount can also be automatically managed.

What does automatic credit card repayment mean?

It means that on the last repayment date of the credit card, the bank will automatically transfer the money in the debit card to the credit card for repayment.

Automatic repayment of credit card requires binding debit card and credit card, setting automatic deduction at maturity, and ensuring that there is enough amount on the bound debit card, otherwise automatic repayment will fail.

Common credit card repayment methods in China mainly include the following categories (according to the cost level):

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. Arrive immediately!

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.

6. The counter is connected

Counter link 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 mainframe system of UnionPay Trading Center.

7. Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

8. New Fortis

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

9. Repayment Pass

Using the "Repayment Pass" for repayment, the fees are generally charged 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.

10, other ways

In addition to these repayment methods, in order to facilitate cardholders to repay, the issuing bank has also opened its own repayment methods.

Extended data:

Consequences of overdue repayment of credit cards

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Baidu encyclopedia-credit card

This concludes the introduction of smart credit card repayment and smart credit card repayment app. I wonder if you found the information you need from it?