There are many ways to repay by credit card, among which debit card can be bound by credit card, which is convenient and fast.
If you happen to have a debit card from the bank where the credit card is located, you can automatically repay the credit card by binding the debit card. Call the bank customer service phone to open it. As long as there is enough money on your debit card, the bank will automatically transfer the money on your debit card to the credit card for automatic repayment on the last repayment date of the credit card.
However, it needs to be reminded that once the money on your debit card is not enough to repay your credit card, you should replenish it in time to avoid unnecessary interest and late fees caused by the failure of automatic deduction.
However, in the following cases, many credit card users will use credit cards to bind savings cards for automatic repayment because they are worried about forgetting to repay or feel that manual repayment is too troublesome. If the user who has bound the savings card for repayment needs to repay manually, it is best to handle it in advance.
Citizen Xiao Chen's credit card repayment date is the 27th of each month. Because she was worried about forgetting to repay, Chen Xiao tied her savings card to the bank and automatically deducted it, which was convenient and worry-free. However, last month, because the balance in the bound savings card was used to pay off the mortgage in August, at around 9 pm on the 27th, Xiao Chen used his other savings card to transfer money to the credit card, and paid off the debt of more than 2,000 yuan. I didn't expect to receive a SMS reminder from the bank on the morning of the 28th, informing me that the bound savings card was successful in making an appointment for repayment. Didn't I already pay off the loan? Why is it deducted again? So I'm not equal to double the repayment? Xiao Chen was very confused after receiving the news. Is the balance in my savings card not enough to repay the mortgage? What should I do?
Subsequently, Xiao Chen called the customer service hotline of the bank credit card center to find out the situation, only to know that because his bank card was automatically debited on the 28th of each month, after Xiao Chen repaid it on the evening of the 27th, the money had not arrived in the account on the morning of the 28th, and the banking system test display card had not been repaid, so the automatic debit mode was started. This is why the cardholder's repayment on the 27th was ignored by the bank.
In this regard, the industry said that in fact, there are not a few credit card users similar to Xiao Chen, and they often bring inconvenience to their credit cards because of some unnecessary actions. Therefore, users are reminded that if the credit card is bound to the automatic repayment of the savings card, it is best to repay it 3 to 5 days in advance if you intend to repay it manually, so that it can be recorded in time to ensure that the savings card will not be deducted. In addition, credit card users are advised not to deposit extra money in their credit cards, because if they deposit extra money, they will also be charged a handling fee.