There Are Many Ways To Spend Money Before The Holidays.

The national personal credit information system has been networked in the city's banking system. That is to say, if you have malicious debts in Construction Bank, you will leave a "trace" in the credit information system of bank interconnection. After buying a car, you need to borrow money. Not only will CCB not give you a look, but his bank will also scrutinized and raise the threshold.

As the saying goes, "after the Laba is the year", it is time to watch Valentine's day and Spring Festival. When it comes to various kinds of spending time, the credit card is crooked, but when it comes to the repayment, don't cry with the bill. When is the best time to repay the credit card? How many common repayment methods?

Credit cards originally encourage consumption, and cardholders should fully enjoy the interest free period of such cards, or else they will not meet the original intention of running cards. Credit cards usually have 20 to more than 50 days' interest free period. After the credit card is paid, the cardholder can only return them at the due date.

　　 Several common ways of repayment

1. Repayment within the issuing bank

It includes issuing card counters, ATM, online banking, automatic transfer, telephone bank repayment and so on. After the repayment, the credit card amount will be restored immediately, and the payment will normally be accounted for after the system is processed.

　　 2. Interbank transfer

It can be divided into two ways: intercity and cross boundary. No matter how to transfer or remit money, there will be a certain fee for the remittance trip. At the same time, the payment time and repayment convenience are not as good as those paid by peers.

　　 3. Third party payment

At present, it is quite common in China. network platform There are fast money, UnionPay online, Alipay, fortune pay and so on, choose different platforms and banks, charging standards and specific arrival time are different. If the cardholder chooses to repay the loan in this way, he must first know the arrival time of the repayment so as not to repay the loan on the day of repayment, so as to avoid arriving in 2 days and causing overdue payment.

　　 4, La Kara repayment

At present, the distribution of "La Carla" outlets is far from wide, and many convenience stores support this repayment method. For example, 7-11, fast passenger, good German, family, comedy, Huarun and other convenience stores.

The use of "La Carla" repayment is very convenient. As long as there is a debit card with a UnionPay sign, it will be able to transfer credit cards to the outlets equipped with "La Carla" equipment, and no fee will be charged. But to remind consumers, the general arrival time needs 2-3 working days. Therefore, it is better to repay on the first three working days of the credit card repayment day.

　　 5. Monetary fund repayment

Not all monetary funds can repay. At present, the Bank of AXA fund and CITIC Bank jointly launched the IMF credit card related reimbursement business. When CITIC Bank credit card customers apply for the Pu bank monetary fund, as long as the function is opened, they can be redeemed at the open second days of the last few days before the final payment of the credit card, which is used for credit card repayment.

In time, full repayment will not only allow banks to eat interest, but also leave good credit records to them. Banks will help cardholders accumulate credit points, raise the overdraft limit of cardholders to some extent, or reduce the approval process for cardholders when handling loans and loans.