"Get rid of credit card debt" and "provide various repayment services to help you land easily" beijing business today reporter recently found that many "middlemen" charge high fees to provide credit card repayment services for cardholders under the banner of "alleviating debt pressure", and some "middlemen" even encourage "Xiaobai" who wants to be++to cash out credit cards and provide services to customers, thus gradually pulling++users and cardholders into "repaying loans with loans"
Credit card repayment 1 000 yuan, 400 yuan -800 yuan.
Affected by the epidemic, many credit card holders have difficulty in repayment. What should I do if I don't want to affect my credit information because of overdue issues? Some credit card repayment "middlemen" wander on social platforms and software, constantly luring cardholders to participate through words such as "no money to pay off credit card bills, we can pay them off" and "safe and risk-free".
"There is a lot of money to pay back, you can trust me privately!" Beijing business today Today, after the reporter posted the related content on the social platform, within 1 hour, nearly 20 credit card agents added the contact information of the reporter.
Credit card repayment is also called credit card repayment. In the specific process, the "middleman" of credit card repayment first provides the cardholder with the funds that need to be repaid, and then takes out the funds by cashing out and returns them to the "middleman" of credit card repayment. After this operation, the cardholder relieved the pressure of overdue in the current period after the bill date expired.
Although the short-term repayment pressure has been solved, the agency is not a free business. Beijing business today today reporter found in the survey that the "middleman" of credit card repayment often charges the cardholder a lot of fees. "Provide cardholders with various repayment services, but charge a handling fee in advance to prevent cardholders from' running away' and only support face-to-face operations." For example, a credit card repayment "middleman" said, "The repayment 1 000 yuan is 5% of the total repayment, that is, 500 yuan, and large funds can be discounted by one point, that is, 4% of the total repayment."
The charge of 5% is only a low level, and some credit cards charge more for "middlemen". A "middleman" told beijing business today Today reporter that "charging in advance is for fear that the cardholder will lose contact after paying back the money. Taking the repayment of 654.38+00000 yuan as an example, the repayment will replace 8% of the total repayment, that is, 800 yuan. Customers in different places can also handle it, but they need to send their ID cards to me for safekeeping in advance and send them back after the business operation is completed. "
In fact, compared with the bank's credit card handling fee, the rate charged by the credit card agent is not cheap, so why do cardholders need to ease the repayment pressure through this channel? In this regard, some analysts said that for cardholders who have already taken the minimum repayment amount, applied for installment, or the bill contains an over-limit amount, it is also a last resort to seek the help of "intermediaries".
Su, a senior analyst in Analysys financial industry, said that there are two main reasons for this kind of personal repayment behavior to reappear in the rivers and lakes. From the demand side, the demand for credit card repayment persists, and due to the requirements of recent epidemic control, such demand is on the rise; From the supply side, agency business has existed for a long time and has formed some mature chains. They have professional skills and operational procedures, and acquire customers through social channels and other hidden ways, which is difficult to find through system monitoring beforehand.
Judging from the operation process, although this credit card repayment model has solved the urgent need, the risk is self-evident. When beijing business today reporter today asked whether the credit card repayment was reduced or blocked, many credit card repayment "middlemen" all said: "You can cash out from other credit cards or cash back."
"Monthly income exceeds 10,000 yuan" to defraud++"Xiaobai" into the game
Credit card agents still exist in the industry for a long time, and there are two main modes: one is cash-out mode; The other is the platform replacement mode. According to a survey conducted by a reporter in beijing business today today, it is the usual practice of credit card repayment "middlemen" to attract cardholders to repay or cash out with professional words, and most of the repayment "middlemen" wandering in this industrial chain are individuals.
When the reporter of beijing business today Today made an unannounced visit on the grounds that he wanted to participate in the agency to earn extra money, an agent's "middleman" took the initiative to connect, providing contacts and resources for the "Little White" who wanted to be++and expanding the team.
"The demand is large, and the monthly income is tens of thousands!" Li Jianle (pseudonym) told the beijing business today reporter, "I have three credit cards at hand to cash out with my own credit card. Cash-out POS machines are provided by me free of charge, and the points charged to customers for one repayment are usually 4%-8% of the total repayment amount, which can be determined randomly according to the situation. I provide resources, and each transaction needs to pay an additional 2% of my total repayment. " Take the repayment of 10000 yuan as an example, the cardholder needs to pay an extra 400-800 yuan handling fee to the credit card++users, and the++users need to repay the "middleman" with the previous credit card before paying 200 yuan. Other "middlemen" who recruit credit card repayments are similar. A "middleman" said, "If++people can pull their own repayment business resources, there will be no extra charge."
In the course of investigation, beijing business today reporter today found that there is no relevant contract between++and the "middleman" of credit card repayment because it is mostly personal behavior. Once the cardholder can't repay the money to the "middleman" after repayment, all the money losses will be borne by++. When the reporter asked how to ensure the safety of++people's funds, a credit card paid a return visit to the "middleman" and gave the answer "If there is any problem, it will not be responsible".
In this regard, Wang Deyue, a lawyer of Beijing Xunzhen Law Firm, said that in order to realize the repayment operation, the "middleman" usually needs to collect the personal identity information of the cardholder, even including the core information such as credit card CVN2 and CVV code. Once personal identity information is leaked, the first thing it brings is common risks such as++and infringement. Secondly, after the core information such as credit card CVN2 and CVV code is leaked, it is easy to cause the credit card to be stolen, causing a lot of economic losses to the cardholder.
In actual cases, there are also some "middlemen" who charge a handling fee and then pull the cardholder black. The cardholder not only failed to repay the loan, but also lost a handling fee, which was even worse. Wang Deyue further pointed out that from the perspective of++users, it is illegal to "raise a card with a card", "repay the loan with a loan" and "cash out". Once found, the issuing bank will take measures including but not limited to warning, reducing the quota or even stopping the card, and even affect its personal credit record.
A credit risk expert of a joint-stock bank said that the relevant "means" adopted by this model seems to be to delay the cardholder's credit card debt and solve the urgent need of "not paying back the money". In fact, cardholders not only need to pay high fees, but also may lead to the illegal use of personal information and the "bad record" of personal credit information, which is not worth the candle.
Avoid falling into the debt trap of "repaying loans with loans"
Credit card repayment is not protected by law and may seriously damage the legitimate rights and interests of consumers. In the view of Wang Pengbo, a senior analyst in Broadcom's financial industry, it is illegal to issue credit cards. Once discovered, it will definitely affect the credit of cardholders. Cardholders not only have to face a high handling fee burden, but this part of the bill will eventually be returned. In addition, cardholders also face the risk of their own information and data disclosure, and cardholders must raise their corresponding risk awareness.
Compared with online or street credit cards, banks are still the safest and most formal repayment channels. Beijing business today reporter found today that many banks have launched credit card deferred repayment services, mainly including deferred repayment period. If interest is generated during this period, credit card customers can contact their branches to apply for relief, which will not affect their credit information. Some banks also said that credit card customers who are overdue for the first time in areas affected by the epidemic will arrange to stop the collection voluntarily; For other customers with overdue credit cards, take the initiative to weaken the collection, and customers can apply to stop the collection.
"Major banks generally have their own exclusive apps and official WeChat accounts. You can choose any platform to log in to your personal account for repayment. " The credit risk experts of the above-mentioned joint-stock banks pointed out that if they feel that the repayment pressure is high, they can negotiate with the banks to repay by installments. If there is a problem of overdue bills, you can also consult the bank. Generally speaking, regulated formal financial institutions have targeted solutions to related problems.
Su suggested that cardholders should be wary of so-called advertisements for young people. If it is really difficult to repay due to the epidemic, they can consult the bank and prepare to provide relevant information to avoid falling into the debt trap of "repaying loans with loans".
How much is the credit card reimbursement? How much is the handling fee of 5000 yuan?
The handling fee is often charged in the form of interest, and the handling fee of 5 thousand yuan is 500 yuan. This is actually a short-term loan,
First of all, I'll return it to you.
Apply for 1 week on the basis of overdraft amount 1 ten thousand yuan, and the handling fee is 200 yuan; 2-week handling fee 300 yuan; 3-week handling fee 400 yuan; 4-week handling fee, 600 yuan. Cardholders can freely choose the repayment time, which is more flexible for those cardholders who are in urgent need of repayment but have not yet paid their wages.
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The repayment process of credit card replacement is as follows: 1. process
Find the subject or object that can repay you. (The payer of a credit card can be an individual, an organization or an intermediary. If you want to choose a credit card repayment method, it is recommended that card friends choose a more professional and credible institution in the market to prevent being cheated. Prove to the agent that the credit card can still be paid. The payer is afraid that after helping the cardholder to repay, the card will still be frozen, so he can't swipe the card and get his own repayment amount. Card friends can choose to temporarily deposit a small sum of money in the card to prove its availability to the agent. The agent transfers the money to the cardholder's credit card, and the cardholder will brush it out immediately after repayment. This is the most important step in the process of credit card repayment, that is, the cardholder will return the money to the payer through consumption after regaining the credit limit. Pay the agent a certain handling fee according to the agreement, generally from 1% to 1.5.
2. Bank of Communications Credit Card
Bank of Communications credit card withdrawal fee is 65438+ 0% of the cash withdrawal amount, the minimum is 10 yuan/transaction, which is 5K, and the handling fee is 50 yuan; 2. Cash withdrawal interest is calculated at 0.5 ‰ per day, 50000.05% = 2.5 yuan/day, 75 yuan/month, 65-day interest = 162.5 yuan; 3. If the repayment is made in three installments, the handling fee for each installment is 50,000.72% = 37.17 yuan, and the total handling fee for the three installments is 65,438 yuan. It is more cost-effective to choose installment repayment.
Kunming credit card repayment
Generally speaking, the handling fee for returning credit cards depends on the regulations of the institution that returns credit cards. If a special person returns a credit card, the handling fee is generally around 1%-3%. If you return credit cards on some platforms, it depends on the handling fee for returning credit cards on your platform. Because of different platforms, the charge for card swiping is different, which may be higher or lower than 1%. For example, the deferred repayment fee for WeChat "Baby" bill is 0.55%, and the deferred repayment fee for RMB 10,000 credit card bill is 55 yuan. After using "bill extension", there will be no interest and handling fee in the current month, which is similar to paying off the credit card debt in full. Long-term and stable consumption and repayment are helpful to the evaluation of personal financial data and the withdrawal of credit cards.
The principle of credit card "bill extension" on behalf of repayment
If your credit card debt bill this month is 10000 yuan and the remaining available credit line in your credit card is 500 yuan, after the platform automatically flips the remaining credit line for 20 times, the credit card debt bill this month will be automatically postponed to next month. On the next month's credit card repayment date, if there is no money to pay off the credit card debt in full, you can still choose to use the method of "bill extension" to alleviate the pressure of credit card repayment. After using the "bill deferred" repayment method, the credit card will not have any interest and other handling fees in the current month.
It is worth mentioning that, compared with the two conventional repayment methods of "bill installment" and "minimum repayment amount", it is more economical to use the credit card repayment method of "bill extension". Take credit card debt 10000 yuan as an example. The three-phase repayment method of "bill installment" is adopted, and the required interest and handling fee is 265,438+00 yuan. Using the "Baby [User Registration Invitation Code: 77777] bill deferred repayment method only requires a handling fee of 55 yuan, and using the" minimum repayment amount "repayment method requires interest and handling fee of 65,500 yuan.
The repayment method that is especially not recommended is the "minimum repayment amount" repayment method. If you don't pay off all the remaining credit card debts, you just need to pay more and more fees and interest. Long-term use of the "minimum repayment amount" method of credit card will affect the evaluation of personal financial data, and even have the risk of reducing the amount and stopping the card. Because in the bank's view, the financial situation of such credit card holders is very unstable and they belong to risky customers.
What are the modes of credit card repayment?
At present, the price of agency service fee is generally 5% of the bill amount, which is the source of profit for merchants. This is a business done by professionals. Moreover, no matter whether it is an agent or a platform, it does not need to occupy funds, and it is purely an intermediary service. And with the massive issuance of credit cards, this demand is particularly strong now. Don't look at a small frontispiece, maybe tens of millions of funds are posted in it. I have to say that the market space for repayment is huge.
As mentioned above, if your credit card repayment institution is different and your platform is different, the handling fee charged will be relatively different. Just like your credit card repayment 10000 yuan is handled by a special person, and the handling fee may be around 600 yuan. If the credit card is returned on a platform with relatively low interest rate, the charging standard of the platform for deferred repayment of credit card bills such as Daibao is 0.55%, and the handling fee for deferred repayment of credit card arrears 1 10,000 yuan is 55 yuan. At present, most credit card repayment platforms are online, which is safer and more convenient than traditional repayment methods and saves money for credit card holders.
80,000 credit card repayment fee
It depends on the bank.
Credit card cash advance will be charged with handling fee and interest (including ATM, counter, online banking and telephone cash advance of the Bank or other banks): RMB 65,438+00 at the minimum, 3% overseas (including Hong Kong, Macao and Taiwan), and 30 or 3 per transaction (AE platinum and black gold 5 per transaction). Interest: advance cash does not enjoy interest-free repayment. From the trading day to the settlement day, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis. Warm reminder, 1. There is only a handling fee for withdrawing multiple deposits from a credit card. 2. Only the cash advance function is enabled for free. 3.YOUNG Card Youth Edition, GQ Co-branded Credit Card, Weibo Daren Card and City Theme Series Gold Card are free of charge for the first cash advance every natural month (interest is normally charged). 4. No matter in the same city or in different places, there is no inter-bank handling fee for cash withdrawal.
How much is the credit card repayment?
The amount of credit card reimbursement fees depends on which platform you apply for, and the credit card reimbursement fees charged by different platforms are different:
1, Lacarra will help you repay: if you apply for credit card repayment in Lacarra 1 1,000 yuan, then the charging standard of handling fee is: 1 week in 200 yuan, 2 weeks in 300 yuan, 3 weeks in 400 yuan, and so on;
2. Province: According to the official statement of the province, the handling fee rate is 30% of the interest on the minimum repayment amount of credit cards, and the annual interest rate of the minimum repayment amount of credit cards is generally 18%, so the provincial rate should be 12.6% (year).
Extended data:
Is credit card repayment legal?
Credit card repayment business is legal. There will be no judgment. It is not illegal to repay on behalf of others. However, the credit card pad also involves being swiped out in the form of cash after repayment. It is clearly stipulated in the law that cash withdrawal is illegal. In violation of state regulations, laws and regulations directly pay cash to credit card holders by means of fictitious transactions, false prices, cash return, etc. , through the use of POS machines and other point-of-sale terminal equipment; If the circumstances are serious, it shall be punished for the crime of illegal business operation in accordance with the provisions of the Criminal Law. For those who constitute criminal cases, corresponding criminal responsibilities must be investigated according to law. Credit card agency also involves the legal relationship between the principal and the agent, and it is necessary to issue a power of attorney to clarify the authorization authority.
How much is the handling fee for repayment of 72,000 yuan by Minsheng Credit Card?
The handling fee for the repayment of 72,000 yuan by Minsheng Credit Card is 1% to 3%. According to the inquiry, related++interest: the repayment amount of Minsheng Credit Card ranges from 5 yuan to 6,543.8+10,000 yuan, the loan period ranges from 6 months to 24 months, and the handling fee is 654.38+0%-3%, which is deducted from the loan amount at one time. Credit card repayment is to find a third party to repay for yourself. The third party here refers to the intermediary agency. Credit card repayment is actually a repayment service provided by a third-party financial institution, from which the institution collects a certain handling fee. After that, the cardholder will return the returned amount to the institution in the form of credit card consumption.
So much for the introduction of how to charge for credit card repayment.