What should I use to return my credit card?

What's the best way to return the credit card?

Online repayment is the best. There are several ways to repay your credit card:

1. Automatic repayment: If you also use the bank's savings card when handling the credit card, you can repay through the automatic repayment service after setting the full repayment or minimum repayment amount;

2.ATM repayment: repayment at the ATM of the bank to which the credit card belongs;

3. Third-party platform repayment: Credit cards can also be repaid through third-party platforms such as Alipay and WeChat, but a certain handling fee may be charged.

First, which way is the least laborious?

Counter repayment is the most traditional credit card repayment method. It is not only unsafe and inconvenient to queue up in the bank business hall, but also to carry a lot of cash. In addition, it often takes time and energy to queue up at the counter of bank outlets. But as the most primitive and traditional way, it is a better way for most elderly people who are not good at operating automation equipment.

On the contrary, the repayment methods that can best make up for this shortcoming are online banking repayment and third-party payment repayment. These two repayment methods are realized by Tonggu Internet, and users only need to open online banking or bind third-party accounts such as Alipay to credit cards to realize repayment.

Second, which way is the fastest to repay?

Most banks have opened online banking services, and users can repay their credit cards through online banking as long as they open the online banking professional version of any bank. If your credit card and debit card belong to the same bank, there is no handling fee for repaying the credit card through online banking, and it will arrive in real time.

Generally speaking, the repayment at the counter of the credit card branch is recorded on the same day. Third-party payment such as "Lacarra" is T 1 day. Automatic transfer repayment is recorded on the repayment due date.

1. repayment by outlets:

Repayment at the bank counter is a traditional repayment method of credit cards, which can generally be received in real time and is adopted by many cardholders. In addition to bank counter repayment, there are also many people who choose ATM machines to repay. ATM machines are generally open 24 hours a day, which is more timely and convenient than counter repayment. However, compared with counter repayment, ATM repayment is not accurate enough to control the amount, and generally the cash deposited will be more than the repayment amount. If it is an inter-bank repayment, it will not only pay a certain inter-bank transfer fee, but also fail to arrive in real time.

2. Automatic repayment:

Automatic repayment of credit card means that by binding the bank debit card, the automatic repayment function is enabled, and the bank automatically transfers the money on the debit card to the credit card account before the final repayment date of the credit card every month. Automatic repayment methods are divided into full repayment and minimum repayment, and cardholders can choose according to their own needs.

3. Online banking repayment:

Compared with repayment by outlets, online banking transfer is adopted. The cardholder only needs to log in to the computer, open the webpage and enter the password to complete the credit card repayment. However, it should be reminded that cardholders choose different repayment banks, and the charging standards and specific arrival time are different. For example, peer transfer in the same city is free, but cross-bank transfer, or peer transfer in different places will charge 2‰, or 5‰, or the handling fee for a single transaction in 2.5 yuan and 5.5 yuan 10.5 yuan.

What is the best way to repay by credit card?

What kind of credit card repayment method is good, I think it varies from person to person. For example, the amount of your monthly repayment and the number of credit cards you hold will have a certain impact on your choice of credit card repayment method.

At present, there are several common credit card repayment methods. The first is direct repayment through official channels of banks, including WeChat, APP and/or online banking. The second is repayment through third-party channels, including WeChat, Alipay or other third-party channels. And each channel has its own advantages and disadvantages. When choosing what repayment method, you should choose according to your actual situation.

The biggest advantage of bank official channel repayment is that it arrives quickly, and many banks basically arrive in seconds, so if you repay on the repayment date, it is best to choose the bank channel to repay; And repayment through official channels can earn points, which is also helpful for credit card withdrawal, because banks can get your repayment flow more intuitively.

However, there are some shortcomings in official channel repayment. If you have a large number of credit cards, you must download an application from each bank. For example, if you have ten credit cards and you want to download a bank APP, it will take up a lot of memory in your mobile phone. Of course, you can also repay through their official WeChat, but this situation is confusing when there are many credit cards, and sometimes it is easy to forget a bank repayment.

The advantage of the third-party channel is that it can comprehensively manage multiple credit cards, one APP can manage it, and automatic repayment can be set. However, some platforms charge for repayment through third-party channels. If the repayment amount is more than 50,000 yuan, it will be easily restricted by banks' fast payment and platforms. At present, the fast payment of many banks on third-party platforms is generally limited to 50,000 per day and 200,000 per month. In addition to bank restrictions, third-party platforms also have their own restrictions. For example, at present, the monthly repayment limit of Alipay single credit card is 50,000 yuan.

But the advantages and disadvantages of different third-party repayment channels are different. At present, the most common repayment methods are WeChat and Alipay. The biggest drawback of wechat is that it charges a handling fee. At present, the monthly fee is 5,000 yuan, and if it exceeds 5,000 yuan, several fees will be charged 1‰; Alipay currently does not charge credit card repayment fees.

Moreover, using third-party channels for repayment is also beneficial to improve your credit score in third-party channels. For example, regular use of WeChat repayment is conducive to improving your Tencent credit, and regular use of Alipay repayment is conducive to improving Sesame credit. But overall, I think Alipay is the best third-party channel at present.

Based on the above conditions, I think there are several principles to follow when choosing what repayment method:

If the amount of credit card swiping is relatively large, and the monthly repayment amount is more than 50,000, the official banking channel is preferred for repayment;

If the amount of credit card repayment is not large and the number of credit cards is relatively small, for example, less than three, then I still suggest that you choose the official channel to repay;

If the monthly repayment amount of a single credit card is not large, less than 50,000 yuan, but the number of credit cards is relatively large, such as more than four, then I suggest that you can use a third-party channel to repay.

Of course, when choosing a third-party channel for repayment, we should pay attention to the purpose and strategy. For example, some people choose Alipay repayment in order to improve sesame credit, but some people will give priority to WeChat repayment in order to open small loans or increase the amount of small loans, which varies from person to person.

To know the best way of credit card repayment, we need to know the possible credit rating standards of banks, which can improve the credit limit and credit. So, what is the best way to repay?

First, timely repayment, not overdue repayment.

Users who use credit cards can know that in fact, bank credit cards have a certain tolerance for overdue, usually within the last three days of the repayment date. Therefore, it is very important to grasp the overdue time of repayment, and don't repay after three days, otherwise there may be risks of reducing the limit and affecting credit.

Second, this credit card repayment method is better.

Usually, the repayment is completed in one lump sum on the repayment date, but under normal circumstances, it is best to repay in multiple installments before the repayment date. That is to say, a few days before the repayment date expires, or even 10 days, and then repay every few days, such a repayment method is also easy to be rated as high-quality repayment.

Third, many people make repayments.

This is very troublesome, but it can best reflect credit. Credit card Credit card, it is important to reflect credit, so when the repayment date is approaching, many people will repay the credit card for a few days, which can better reflect credit and may also be rated as a high-quality repayment person. The first thing that comes to mind when it is due is repayment and effective help from others.

In fact, for credit cards, the most important thing is to reflect credit, and when reflecting credit, the most prominent performance is the repayment method, so rational use of repayment methods that can increase credit is also the best way. Of course, the most important thing is persistence, which may not be effective once or twice, but this way can be better persisted for a long time.

1. It is recommended to bind the bank's savings card to repay in full, and the bank will think that you have repayment ability;

2. You can set the repayment reminder days on WeChat, Alipay and China UnionPay Express (these three are big brands, others are not recommended), and repay immediately after receiving the reminder;

3. Pay back immediately after spending with a credit card, or pay back immediately the next day, so that you will be considered as a quality customer by the bank. Raising the amount is helpful. I usually pay more after spending the next day, and some pay for it. Both CCB and Ping An are like this, and the quota is fairly fast. On 16- 18, CCB raised the amount to 4W and safely raised it to 6.

Finally, please remember that repayment on time can avoid unnecessary trouble!

There are many options for credit card repayment. The key is to make reasonable and optimized repayment of credit cards, mainly by making overall arrangements according to the way of using their own funds and the nature of the cardholder's sources of funds, so as to achieve the three major goals of timely, efficient, safe and assured repayment.

First, you should make sure that a debit card and a pool card are your main funds. Try to choose your own salary card or your own debit card as the main source of funds. At the same time, handle the credit card of the same bank, because all the funds are collected in the debit card, and the bank will handle a larger credit card limit for you.

Open the U shield of the bank debit card online banking; Mobile banking; At the same time, go to the bank to bind credit card and debit card repayment. So as long as you have money on your debit card, the bank will automatically transfer money on the credit card repayment date.

Second, take the debit card as your own capital center. With the function of U Shield, you can bind the credit card and complete the payment of telephone, water, electricity, natural gas, cable TV, plane tickets and train tickets on the computer.

Then link the credit card with WeChat payment (some banks agree to bind the credit card to WeChat, and some banks disagree to bind WeChat), and complete the payment of credit card funds in shopping and hotel consumption.

3. Use the mobile payment function to complete the credit card repayment. At present, all banks have opened mobile apps to encourage mobile payment, and even inter-bank payment is free, so you can choose to receive the account in real time. Very safe, convenient and fast. It is open 24 hours, and the off-duty time is 50,000 RMB. During the day, you can negotiate the transfer amount at the bank counter according to your business volume.

Third, the repayment of other bank credit cards can also be returned through the debit card fund center. Or, if you have a lot of cash business, you can repay directly at the bank's self-service cash machine.

In a word, we must make good use of modern science and technology, make overall plans and implement them steadily. At the same time, plan and use the funds well, so that they will not be wasted and will not be broken!

The best way to save time, effort and money! With the development of financial technology, credit card payment channels are diversified and do not need to be carried with you. As long as you bind with Alipay and WeChat and download the bank app, you can use it and repay it. Long-term use of electronic payment channels, the credit card is not with me, and the storage location has been forgotten for a long time, resulting in the loss or loss of the credit card. If the consumer uses it during this period, the due repayment can be made in the following ways:

Go to the bank branch counter to repay the loan first. When the bank loses its credit card and can't remember the credit, and the repayment period is coming, you can only go to any branch of the credit card issuing bank, ask the teller to check the credit card, write it down on the mobile phone or paper, and make a cash deposit for repayment. You just need to fill in a "receipt for renewal without card" and write down the deposit, the depositor's name and the deposit amount clearly.

Second, WeChat and Alipay repay. If Alipay and WeChat accounts have been bound to credit card accounts, whether the credit card is lost will not affect the credit card repayment. As long as there is enough funds in Alipay account or WeChat account, you can directly click on the credit card repayment account and repay according to the consumption amount on the bill. However, WeChat repayment has been charged since August 1, 2065438, at the rate of 0. 1%.

Third, online banking transfers repayment. Log in to the online banking system of any bank that has been opened. As long as the funds in the bank account are greater than or equal to the repayment amount, you can enter the credit card for repayment. Repayment steps are the same as usual remittance and transfer. After entering the transfer-in account number, name, transfer-in bank outlet, purpose and amount, the credit card repayment is completed.

If the credit card is lost at home, it will be lost in public, and there will be some undue risk loss after being found by others. Therefore, when a credit card holder finds a lost credit card and applies for a replacement card, it is best to report the loss at the first time. If it is not banking hours, they should call customer service to apply for oral loss reporting, and then go to the outlet to handle the issuance procedures of new cards.

At present, there are mainly the following credit card repayment methods: automatic deduction, counter direct repayment, electronic bank repayment and third-party payment agency repayment, each of which has its advantages and disadvantages.

Automatic deduction

Automatic deduction is bound to the credit card issuer's own bank, which is the fastest and the bank's favorite repayment method. You don't need to remember the expiration date of the credit card. If you want to withdraw cash, the probability of using automatic deduction is the highest. But if you have credit cards from multiple banks, this method is not suitable, because you have to open multiple savings card accounts, and each account has enough money for deduction every month.

Counter direct repayment

The biggest advantage of direct repayment at the counter is that it is not difficult, and anyone can realize repayment. This is the most commonly used repayment method for the older generation who can't read or understand the Internet. Its main disadvantage is that it is troublesome to queue up at the bank counter every time you repay!

Online bank repayment

This channel includes online banking and mobile banking. You can also return your own bank's credit card or other bank's credit card (for example, you can use the savings card of Industrial Bank and transfer money to return the credit card of China Construction Bank). The advantage is convenient and quick, but the disadvantage is to remember the repayment date of each bank credit card and the amount to be repaid each month separately.

Third-party payment channel repayment

Using this channel for repayment, for people with multiple credit cards, the biggest advantage lies in unified management. Third-party payment institutions can bind all credit cards, know the maturity date and repayment amount of each credit card at a glance, and can also repay with one click; However, this channel has several shortcomings: first, it cannot be recorded in real time (it is best to use this channel to repay one day in advance); Second, some banks do not support it; Third, there are daily and annual transfer quota restrictions; Fourth, some organizations (such as WeChat) charge a handling fee.

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If your credit card is in two ranges, I suggest automatic debit, followed by electronic banking. For banks, their own traffic is better than through third parties. On the other hand, if you have three or more credit cards, especially those with a bad memory, it is recommended to use a third-party payment institution, because this will not misremember the account date and repayment amount, and ensure that there will be no overdue interest arrears.

What is the best way to repay by credit card? Let's talk about the way to pay back the money. First, Alipay, WeChat, online banking, bank APP, etc. You can return the credit card.

However, last year, WeChat began to announce the charging of credit cards, and Alipay also recently announced the charging of credit cards, but other channels have no intention of charging for the time being.

So, what is the best way to repay by credit card? It depends on what APP you are used to. I am used to using Alipay, which has a free quota of 2,000 yuan per month. Because my consumption level is not in Alipay's charging list for the time being, I will still choose Alipay.

If the bill amount is less than 2000 like me, you can still choose Alipay, or you don't care about the handling fee of 0. 1%, then you can use whichever repayment channel you want.

If you don't want to pay the handling fee, online banking and bank APP are waving to you ~

These are some of my views, please leave a message to discuss ~

There are many ways of credit card repayment: mobile banking transfer, WeChat repayment, Alipay repayment, China UnionPay Express repayment, automatic binding deduction, counter or ATM repayment, etc. If you want to say which way is the best, I think it still depends on what kind of purpose you want to achieve.

If you consider the factors such as better credit card and convenient withdrawal, it is best to use savings card to repay automatically! It not only enriches the relationship with banks, but also makes banks feel at ease, which is of great help to credit card scoring.

If it is convenient and quick to draw a picture of yourself, it is undoubtedly the most convenient to transfer money by mobile banking. Now all banks are strongly recommending mobile banking services. Personal transfer is received free of charge in real time. Some banks' apps are very user-friendly and easy to use.

Most importantly, no matter which bank's credit card can be received in real time.

If you don't want to use mobile banking, then there is no doubt that Alipay is the most convenient, and the payment speed is the second among all repayment methods, because most banks arrive in real time, and individual banks can't arrive in real time, which takes 1-2 working days.

Other repayment methods can only be used as alternatives, so I won't go into details one by one.

Actually, there is no fixed number. If economic conditions permit, I still suggest that you can repay the loan on schedule. In this case, you will actually have 20 to 50 days to occupy the bank funds for free. However, if you choose to repay by installment, the annualized cost of bank credit card installment is generally above 8%, which seems to be much lower than that of private lending. However, if you invest, few stable investment channels can be higher than this income.

If money is tight, you can pay it back in installments. For example, when the bill comes out 1 10,000, you only have 2,000 yuan on hand, so just brush it five times before the repayment date.

What kind of credit card repayment method is better?

With the popularity of credit cards, more and more people use credit cards, and the places to handle credit cards are becoming more and more common. Of course, the progress of science and technology will not hinder our life, it will only continue to optimize and provide us with more convenient services. Therefore, after handling a credit card, the way to choose credit card repayment is no longer single. So which is better?

1. Counter repayment: Counter repayment is an ancient method. Now fewer and fewer people choose it. Because life is more convenient, there is absolutely no need to go to the counter of the issuing bank every time the repayment date approaches, but it can be handled by professionals to avoid mistakes.

2.ATM repayment: ATM can be seen everywhere now, and it can be opened 24 hours a day, which greatly facilitates our needs. Of course, it can also handle credit card repayment for us, that is, deposit or transfer money at ATM.

3. Third-party repayment: Of course, people who don't want to go out can also solve the problem of credit card repayment without leaving home, such as using third-party applications: Alipay, WeChat, China UnionPay Express and other software, which are several common payment software. If you are worried that the repayment method of third-party software will be delayed until your final repayment date, you can also choose the special mobile banking of the issuing bank to repay the credit card.

4. There are time and place restrictions on counter repayment, but repayment can be handled safely and effectively; ATM repayment can be operated 24 hours a day, and the time arrangement is more free and can be seen everywhere, which is more convenient than the counter. Third-party repayment can be done at home, but network problems or operations may bring inconvenience.

In fact, the above three methods have their own advantages. How to choose depends on your own situation, but there is no doubt that most people choose a third party to repay.

Which is a good credit card repayment artifact?

Credit card repayment artifact Kabang housekeeper is better. Card help housekeeper is the best credit card repayment app, which has three main functions, namely, returning empty cards, smart cards and swiping cards. Kabang housekeeper is very stable, with many routing channels and high security of UnionPay filing. Not only can you pay by credit card, but you can also share with your friends to make money, killing two birds with one stone.

First, Ka helps the housekeeper.

Empty card return, used when the user's credit card is completely maxed out and there is not much available quota. The reimbursement rate for empty cards is 125 yuan/10,000 yuan, as long as there is enough handling fee in the card. Smart payment, used when there is still a certain amount available in the user card. The rate is 85 yuan every time 1 yuan. For example, the credit limit of the user's card is 30,000 yuan, and when there are only a few hundred yuan left after being swiped by the user, you can only use the empty card. The cost of returning 30 thousand is 375 yuan. If the user's credit card still has a credit limit of 10000, then smart payment will be used, and the cost is 1702= 172 yuan.

Second, the repayment process

The function of repayment is very simple, as long as you complete the real-name authentication and bind the savings card and credit card, you can use it. Moreover, the real-name authentication of the card housekeeper is faster, and the authentication can be completed only by the name and ID number, and the technology is more advanced without taking photos and uploading. Regularly clean up the points of landing merchants! Whether it is repayment or credit card, users can use this software as long as they need it. In addition to these functions, this software also has the functions of promotion and making money. If users have the promotion ability, they can also promote this software to friends around them.

To sum up, people's consumption concepts and consumption patterns have changed greatly, and credit cards have become the mainstream consumption tools. The characteristic of credit card is to spend money first and then repay it. Although they have increased their spending power, they will exceed their affordability if they are not careful. Therefore, everyone must pay attention to careful use, timely repayment, and do not have credit problems.

What credit card repayment software is better?

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, which was the first "5 1 Credit Card Manager" APP to help users intelligently manage credit card bills with one click, and managed 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.

What is the best APP for credit card repayment? There are all three ways.

Whether the credit card can repay in full and on time is directly related to the cardholder's personal credit. If it is overdue, it will ruin his credit information and directly affect the smooth progress of credit behavior in the future. There are many ways to repay by credit card. Today, I sorted it out for everyone to see what APP is best for returning credit cards.

1, wechat APP also pays credit cards.

As long as the credit card is bound to WeChat, you can use WeChat change or savings card to pay the credit card bill through WeChat. When using WeChat to return credit cards, card friends must clearly know the repayment time of each bank, such as Xingye, CITIC, Ping An, Agriculture, People's Livelihood and Everbright to support real-time payment; China Merchants Bank, ICBC and Bank of Communications received their accounts on the same day.

2. Alipay APP also pays credit cards.

On the homepage of Alipay, you can find the entrance of "credit card repayment". As long as you add credit card information, you can use the savings card and account balance to repay. Card friends can pay attention to the arrival time prompted by the system to avoid the situation of not arriving in time. You can set an appointment repayment by using Alipay APP repayment.

3. The mobile banking APP also pays by credit card.

What is the best APP to transfer money to a credit card? For the above three introductions, if you are afraid of forgetting to repay, you can also set a repayment reminder or open an automatic repayment function. Credit card repayment can be large or small. If overdue repayment affects personal credit information, it will not be worth the loss.

This is the end of the introduction about what to pay back the credit card and how to pay back the credit card with our savings card. I wonder if you have found the information you need?