Common repayment methods:
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.
Mobile phone repayment
Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
Convenience store
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.
Network repayment
Common online repayment methods in China are: UnionPay Online, Quick Money, Shengfutong, Alipay, etc. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Make an 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.
Guimiantong
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.
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.
Xinfutong
"Xinfutong" smart phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network [2].
The credit card also
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.
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.
Third-party payment repayment:
Quick repayment
Credit card repayment can be made in the following banks: ICBC, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Xingye, CITIC, China Everbright, Pudong Development Bank, Guangfa, Shenfa, Minsheng, Ping An, East Asia, Huaxia, Jiangsu and Bank of Ningbo.
Support the following online banks to repay credit cards: ICBC, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Minsheng, Xingye, Pudong Development Bank, Huaxia, Bohai, Nanjing, Beijing Rural Commercial Bank, Bank of China, East Asia, Ningbo, CITIC, Shenfa, Guangfa, Everbright, Ping An, Beijing and Postal Savings Bank.
Instructions for use: the cardholder fills in the credit card repayment information → completes the payment in the bank card online banking → ends the repayment. (Users with the same name are required)
Handling fee: there is no handling fee during the promotion period.
Alipay repayment
Credit card repayment can be made in the following banks: China Merchants Bank, Industrial Bank, China CITIC Bank (1 received), ICBC, Bank of Communications, Guangfa Bank, Shanghai Pudong Development Bank, China Construction Bank, Ping An Bank, Bank of China and Shenzhen Development Bank (received in the above two days) [4].
Support the following online banks to repay credit cards: Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, Agricultural Bank, Bank of Communications, Shanghai Pudong Development Bank, China Guangfa Bank, Shenzhen Development Bank, Minsheng Bank, China CITIC Bank, China Everbright Bank and Ping An Bank.
Handling fee: no handling fee, no handling fee during the promotion period.
Instructions for use: fill in the repayment credit card information → the cardholder completes the payment at the cashier → the repayment is completed, and check the payment information.
Tenpay repayment
Xingye (real-time receipt), ICBC, China Merchants Bank, Guangfa, (1 working day or above), Bank of Communications (1 working day or above), China Construction Bank, China Everbright, Minsheng, Ping An, Shenzhen Development Bank, Pudong Development Bank, Agricultural Bank of China, Bank of China (Shenzhen), Bank of Shanghai, Bank of Ningbo, Bank of Beijing, Huaxia and Bank of Shanghai.
Payment is supported after recharging Tenpay through the following online banks: ICBC, China Merchants Bank, China Construction Bank, Bank of Communications, Agricultural Bank, Shanghai Pudong Development Bank, China Everbright Bank, Industrial Bank, Minsheng Bank, China CITIC Bank, Shenzhen Development Bank, China Guangfa Bank, China Bank, Ping An Bank and Bank of Beijing.
Instructions for use: register Tenpay account first, and then make repayment.
Handling fee: Inter-bank and inter-regional repayment is free of handling fee.
Unionpay repayment
Credit card repayment can be made in the following banks: China Merchants Bank, Minsheng Bank, China CITIC Bank, Industrial Bank, Huaxia Bank, Bank of Ningbo, Bank of East Asia (instant payment), China Everbright Bank, Shenzhen Development Bank, Ping An Bank, Shanghai Pudong Development Bank, China Bank (Shenzhen), Agricultural Bank (Shenzhen) and Shanghai Bank.
Support the following online banking to repay credit cards: China Merchants Bank, Minsheng, CITIC, China Everbright, Shenfa, Xingye, Ping An, Shanghai Pudong Development Bank, Bank of Communications (Shenzhen) and Shenzhen Rural Commercial Bank.
Instructions for use: user registration → user login → complete repayment to obtain debit card deduction results → query the credit card issuer for entry results → finish.
Procedure fee: the promotion period is free.
Repayment process:
Issuing bank also
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 card number, 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.
Network repayment
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 account name: 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 number.
4. Remarks: Fill in "Credit Card Repayment".
5. Withdrawal password: fill in the one-card withdrawal password.
6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
7. Accepted currency for repayment of the "payment plan" function: RMB.
8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.
9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.
10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.
1 1, personal online banking popular version:
If the cardholder has opened a one-card account bank and handled the "self-service transfer agreement" between the one-card account and the credit card, he can log on to the website of China Merchants Bank and use the popular version of personal online banking to transfer the repayment to the cardholder's credit card. Transfer to restore the cardholder's credit card available amount in real time.
Credit card overdue repayment:
The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. 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 cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad record, which will adversely affect future work and life.
Consequences of credit card default 1:
Bear a high penalty interest. After a credit card defaults, the penalties usually involved are revolving interest charges and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.
Except for ICBC, the other 12 banks still carry out full penalty interest. Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths. In addition, some banks stipulate that interest shall be calculated at five ten thousandths within 15 days from the bookkeeping date, ten thousandths after 15 days, and fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit. The longer the default time, the higher the penalty interest.
For example, suppose Miss Li's billing date is 10 day per month, and the last repayment date is 28th. 1 1 July, she spent 1000 yuan. By the 28th, when Miss Li was short of funds, she paid the minimum repayment amount 1000 yuan first. Then the recurring interest expense on the bill on August 10 is: 10000 yuan ×0.5 ‰× (July 28th to July11)+(10000 yuan ~10000).
If the cardholder fails to pay off the minimum repayment amount, in addition to the circulating interest charges, there will be a late payment fee, which is calculated at 5% of the unpaid part of the minimum repayment amount. If Miss Li only pays 500 yuan back, the late payment fee is (1000 yuan ~500 yuan) ×5%=25 yuan. In this case, the revolving interest expense will rise to 65,438+046.75 yuan, and Miss Li's total penalty interest this month is 65,438+0,765,438+0.75 yuan.
Consequence 2 of credit card default:
Cause legal disputes. Recently, violent credit card collection has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some so-called "debt collection companies". These companies are mixed, and the debt collection methods are rough, which brings great trouble to customers.
Not only that, the defaulting customer may also face legal disputes. According to the provisions of the Criminal Law, a credit card with a malicious overdraft of more than 5,000 yuan will not be repaid after three months of collection by the bank. If the circumstances are serious, criminal responsibility may also be investigated for fraud. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.
Consequence 3 of credit card default:
Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in this system. The "stain" in this report can't be ignored, and it will affect all kinds of applications for loans, insurance, job hunting and studying abroad. More importantly, bad records are generally kept for seven years abroad, but there is no such regulation in China, which means that if they are not remedied, this "stain" is likely to follow for life.
Tips: As a new payment method, credit card is also the simplest financial management method for consumers. Although overdraft consumption can reduce the financial pressure of cardholders' daily consumption, cardholders can easily become slaves if they are poorly managed or have no good financial management concept. Bian Xiao suggested that consumers should be cautious when the bill pressure is too high. They can apply to the bank for installment payment or apply for deferred repayment and extension of installment to relieve the pressure. At the same time, they should reflect on whether their consumption patterns are healthy and reasonable in time.
What is the most cost-effective way to repay credit cards?
Minimum repayment method
Advantages: sharing the repayment pressure and not affecting the credit record.
Disadvantages: it will generate cyclic interest.
According to reports, the so-called minimum repayment amount is generally 10% of the ordinary consumption amount after deducting special items such as annual fee and interest, and will be listed separately in each credit card bill.
If the bill is too large to be paid off in full, you can maintain a good credit record by paying the minimum repayment amount, and the bank will not blacklist you for malicious arrears. However, returning the minimum repayment amount will lose the interest-free period, so the cardholder has to pay a certain amount of interest.
At present, most domestic banks use the method of full interest, that is, from the date when consumption is recorded, they charge five ten thousandths of interest every day and compound interest every month.
Installment repayment method
Advantages: no extra interest. Disadvantages: there is also a handling fee.
According to reports, the so-called interest-free installment repayment business of credit card consumption means that after credit card consumption, cardholders can apply to the issuing bank for any installment repayment business within the specified time, and they can still enjoy "interest-free treatment" during the repayment period, but they need to pay a certain handling fee to the bank.
The handling fee rate of installment payment varies from bank to bank.
For example, the highest handling fee for the third phase is 2.6% of China Merchants Bank, and the lowest is1.65% of ICBC; 12 The highest installment fee is Huaxia Bank, and the lowest is China Everbright Bank, with 6%. There are two main ways to charge. One is to charge a monthly fee, which is adopted by CCB, Bank of Communications and China CITIC Bank. The other is one-time down payment, represented by ICBC, BOC and Ban Zhao.
Credit card risk control and tips:
(a) to maintain a good credit record
Application and legal use of credit cards
1. It is suggested to handle the credit card through legal channels. Credit card agencies obtain the information of credit card applicants by illegal means without the legal authorization of banks, which may be used for other illegal purposes, resulting in great losses of personal credit and economy. Consumers must apply for credit cards through formal channels.
2. The credit card is only used by the cardholder. This will effectively protect the rights and interests of cardholders and avoid unnecessary losses caused by stolen credit cards. If necessary, cardholders can apply for supplementary cards for eligible family members.
3. Cash transaction is illegal use of credit card. Cash transaction will affect the normal use of credit cards, and even affect the personal credit record of cardholders in serious cases; The security of cash transactions is not guaranteed, which easily leads to the disclosure of personal data. In order to maintain a good credit record and protect the rights and interests of credit cards, please do not use credit cards for such illegal transactions.
Personal credit common sense
1. Before the due repayment date, if the repayment amount is less than the minimum repayment amount, the credit history of the cardholder will be affected. Cardholders should pay attention to the due repayment date and the amount owed on the bill. At present, many banks have introduced various convenient repayment methods, such as automatic debit card deduction and other convenient repayment methods.
2. The cardholder's credit card consumption repayment record will be directly incorporated into the national personal credit information basic database. Maintaining a good credit record helps cardholders to improve the convenience and possibility of obtaining financial support and financing services.
3. If the cardholder fails to repay the loan on time, he shall pay the interest, overdue fine and other expenses in accordance with the relevant provisions of the credit card collection contract. Before using the card, you need to know the credit card charging standards such as revolving interest and late payment fee in detail.
(2) How to save personal information
Safely keep personal credit card information.
1, credit card number, expiration date and inspection number (the last three digits of the seven-digit signature column on the back of the credit card) are all important information of the credit card. If it is obtained by criminals, it will lead to the risk of misappropriation. In order to avoid risks, it is recommended to keep personal information such as cards, card numbers, expiration dates, inspection numbers, personal ID numbers, contact information, etc., and never tell others about credit card information at will.
2. When applying for a credit card, the applicant can indicate the purpose of use in a prominent position of the personal identification certificate and the copy of relevant supporting documents provided, such as "only used for applying for XX bank credit card, and the copy is invalid" to prevent personal data from being used for other purposes.
3. Don't make the credit card password too simple, and avoid using easily leaked numbers such as birthday, telephone number and ID number. Don't write the password on the credit card, and don't put the notebook with the password on it with the credit card. It is suggested that ID cards and credit cards should be separated as much as possible.
Judicial interpretation:
The Supreme People's Court and the Supreme People's Procuratorate's Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management aims to punish criminal activities of impairing credit card management according to law and safeguard the order of credit card management and the legitimate rights and interests of cardholders. According to the provisions of the Criminal Law of People's Republic of China (PRC), some issues concerning the specific application of the law in handling such criminal cases are explained as follows: Article 1. Copying another person's credit card, writing the information of another person's credit card into a magnetic stripe medium or chip, or forging more than one credit card 1 piece by other means shall be deemed as "forging a credit card" as stipulated in Item (4) of Paragraph 1 of Article 177 of the Criminal Law, and shall be convicted and punished for the crime of forging financial tickets. Forged blank credit cards 10 or more shall be deemed as "forged credit cards" as stipulated in Item (4) of Paragraph 1 of Article 177 of the Criminal Law, and shall be convicted and punished for the crime of forging financial tickets. Forged credit cards, in any of the following circumstances, shall be deemed as "serious" as stipulated in Article 177 of the Criminal Law: (1) Forged credit cards with more than 5 but less than 25; (2) Forged credit card balance and overdraft limit of more than 200,000 yuan but less than 6,543,800 yuan; (3) Forging more than 50 blank credit cards and less than 250; (4) Other serious circumstances. Forging credit cards under any of the following circumstances shall be deemed as "particularly serious" as stipulated in Article 177 of the Criminal Law: (1) Forging more than 25 credit cards; (2) Forging the credit card balance and overdraft limit, with a single or total amount of more than 6,543,800 yuan; (3) Forging more than 250 blank credit cards; (4) Other particularly serious circumstances. The credit card balance and overdraft limit mentioned in this article refer to the highest deposit balance and overdraft limit recorded by the issuing bank after the credit card is forged. Article 2 Whoever knowingly holds and transports more than 65,438 but less than 65,438 blank credit cards shall be deemed as "a large quantity" as stipulated in Item (1) of Paragraph 1 of Article 177-1 of the Criminal Law; Illegal possession of more than 5 credit cards and less than 50 credit cards of others shall be deemed as "a large number" as stipulated in Item (2) of the first paragraph of Article 177-1 of the Criminal Law. In any of the following circumstances, it shall be deemed as "a huge quantity" as stipulated in the first paragraph of Article 177-1 of the Criminal Law: (1) Holding and transporting 10 or more credit cards while knowing that they are forged; (2) Holding and transporting more than one credit card 100, knowing that it is a forged blank credit card; (3) illegally holding more than 50 credit cards of others; (four) using false identification to defraud more than 0 credit cards 10; (5) Selling, purchasing or providing others with forged credit cards or obtaining more than one credit card 10 by fraudulent means. Applying for a credit card against the wishes of others by using my ID card, military officer's card, soldier's card, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, passport, etc. Or using forged or altered identification to apply for a credit card, it shall be deemed as "using false identification to defraud a credit card" as stipulated in Item (3) of the first paragraph of Article 177-1 of the Criminal Law. Article 3 Whoever steals, buys or illegally provides credit card information of others, which is enough to forge credit cards that can be traded, or causes others to conduct transactions in the name of credit card holders, involving more than 5 credit cards 1 card, shall be convicted and punished for the crime of stealing, buying or illegally providing credit card information in accordance with the provisions of the second paragraph of Article 177-1 of the Criminal Law; Involving more than 5 credit cards, it shall be deemed as "a huge amount" as stipulated in the first paragraph of Article 177 of the Criminal Law. Article 4 Whoever makes or provides false credit certification materials such as property status, income and position for credit card applicants, which involves forging, altering, buying or selling official documents, certificates and seals of state organs, or forging seals of companies, enterprises, institutions and people's organizations, shall be investigated for criminal responsibility, and shall be punished as crimes of forging, altering, buying or selling official documents, certificates and seals of state organs and crimes of forging companies and enterprises respectively in accordance with the provisions of Article 280 of the Criminal Law. Intermediaries or their personnel who undertake the responsibilities of asset evaluation, capital verification, verification, accounting, auditing and legal services. Those who provide false credit proof materials such as property status, income and position for credit card applicants shall be investigated for criminal responsibility. In accordance with the provisions of Article 229 of the Criminal Law, they shall be convicted and punished for the crime of providing false proof documents and the crime of issuing major false proof documents respectively. Article 5 Whoever uses a forged credit card, a credit card fraudulently obtained with a false identity certificate, an invalid credit card or another person's credit card for credit card fraud shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law. If the amount is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
Judicial interpretation:
The term "fraudulently using another person's credit card" as mentioned in Item (3) of Paragraph 1 of Article 196 of the Criminal Law includes the following situations: (1) Picking up another person's credit card and using it; (2) defrauding others of their credit cards and using them; (three) stealing, buying, defrauding or other illegal means to obtain other people's credit card information and use it through the Internet, communication terminals, etc. ; (four) other circumstances of fraudulent use of other people's credit cards. Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is too large to be returned; (two) squandering overdraft funds, unable to return; (3) Escaping after overdraft, changing contact information and avoiding bank collection; (4) evading or transferring funds, concealing property or evading repayment; (five) the use of overdraft funds for illegal and criminal activities; (six) other acts of illegal possession of funds and refusal to return them. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank. Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. Article 7 Whoever, in violation of state regulations, directly pays cash to credit card holders by means of fictitious transactions, false pricing, cash return, etc. by means of point-of-sale terminal equipment (POS machines). If the circumstances are serious, he shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law. If the amount of the act mentioned in the preceding paragraph is more than 6,543.8+0,000 yuan, or the funds of financial institutions are overdue by more than 200,000 yuan, or the economic losses of financial institutions are more than 6,543.8+0,000 yuan, it shall be deemed as "serious circumstances" as stipulated in Article 225 of the Criminal Law; If the amount is more than 5 million yuan, or the funds of financial institutions are not returned more than 6.5438+0 million yuan within the time limit, or the economic losses of financial institutions are more than 500,000 yuan, it shall be deemed as "the circumstances are particularly serious" as stipulated in Article 225 of the Criminal Law. If the cardholder maliciously overdraws in the above way for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for credit card fraud in accordance with the provisions of Article 196 of the Criminal Law. Article 8 Where a unit commits the crimes specified in Articles 1 and 7 of this Interpretation, the standards for conviction and sentencing shall be implemented in accordance with these Articles.