How much credit card payment method

Immediately to the Spring Festival, people will usher in another card heights, the use of credit cards has become quite a number of shopping trips on the spending habits of one. Will inevitably need to use the card repayment, in the face of a growing number of people to repay the banks to open up channels so that more and more diversified credit card payments.



Auto convenient transfer



Automatic transfer payment is probably the most convenient option, but first of all need to have their credit card or bank passbook financial debit cards, such as China Merchants Bank credit cards have been required to open a Card Merchants Bank, CITIC credit card holders need to CITIC card or financial Bao Passbook. Then call the telephone or through Internet banking or bank tellers, to apply for automatic payment services, bank credit card bills each month will be the final repayment date, automatically deduct the Passbook card or a corresponding amount.



China Merchants Bank Card Association's automatic payment card accounts free of management fees, but also selected yuan or U.S. dollars on its own account of repayment. Repayment of the RMB current accounts must account; repayment of U.S. dollar current accounts can choose cash or U.S. current account cash account. Card automatically associated with the repayment in full repayment of the amount of the option, choose the lowest amount. The use of automatic transfer to repay customers need to pay attention to, the repayment due in a few days ago to see whether or not sufficient account balance to avoid delay payment; if customer account balance is low, the bank account balance will be deducted from "0" yuan, the rest of the No longer be deducted up, customers need to enter credit card account to repay. General accounts only with the main card-connected and, if attached card to be opened respectively.



Counter to repay the insurance



Repayment of the counter is also popular because of the staff to do the job will not be based on more than a zero-operation and the errors resulted in the loss. Counter cash to repay their credit card in any of the cash payment network. Banks generally accepted by the others and also on behalf of the non-payment cards, so long as to ensure the accuracy of CITIC fill out credit card numbers, can the receiving real-time, no fees. Counter to the repayment can also be a check or transfer the money back and check, then is slow and will take 2-3 days.



If the customer's bank-owned outlets less to worry about repayment to counter the inconvenience, such as CITIC Bank has a credit card in Shanghai can go to any "counter-" to carry out cash to repay the bank, China Merchants Bank, Shenzhen Development Bank, Hua Xia Bank, Guangdong Development Bank, Minsheng Bank, Industrial Bank, Everbright Bank of eight joint-stock commercial banks, nearly 200 business outlets for RMB credit card repayment, the money will be "T +1" Japan recorded. "-Counter" business during the trial, regardless of the size of the amount of repayment, each only 2 yuan to collect fees; official run, the standard fee of 3 yuan for each.



In addition, can also go to the National Renyi Min Seng Bank, Shenzhen Development Bank, Guangdong Development Bank affixed with a "payment services," the signs point to use cash to pay the debt, to pay cross-city transfer or exchange cross-designated place procedures Fee, generally 1-3 working days receiving.



If the other bank tellers, with other bank debit card or passbook savings in their respective outlets to CITIC Bank credit card payment transfer, the receiving generally 1-3 business days (except holidays), recommended for 3 days in advance. At cross-city transfers and remittances different places, different cities and the admissibility of the bank's business and fees vary.



Bank of self-service terminal network of the most unlimited



The use of silver and self-service terminal network is also to repay the more fashionable way of repayment. Silver net repayment of the bank or ATM machine to repay the receiving real-time, without charges, but net repayment of the Bank is conditional on, China Merchants Bank net repayment of the Bank One Card to be launched on-line "personal banking Pro" or 4.5 Above; to other people's CITIC credit card repayment, it would take to open outlets in China CITIC Bank "Plus" network of silver.



ATM payments can be deposited in cash in the credit card for payment, receiving real-time, no fees.



ATM machine network of transfer payments to repay the Bank transfers can also be other banks where the line for repayment of credit card. China Merchants Bank credit cards is now online Bank ATM cross-transfer business. Opening of the city include: Beijing, Shanghai, Guangzhou, Shenzhen, Xiamen, Wuhan, Nanjing, Shenyang, Hangzhou, Tianjin, Dalian, Fuzhou, Jinan, Kunming, Chongqing, Changsha, and other 34 cities and the surrounding areas, ATM machines more than 10,000 units, coverage The major large and medium-sized cities. Can be opened in the bank's ATM machine for his trip to the bank cards into credit cards or apply for credit card transactions to him out of the bank card transactions. Into customer transactions in real time to restore the line of credit available, out of credit card transactions as cash transactions.



There are other phone bank transfer payment to apply for China Merchants Bank "fast easy money management" services, voice services can be automated through artificial or services from the card to the designated credit card payments.



The most labor-saving automatic purchase of foreign currencies



And when people travel abroad to participate in the End the use of international card, credit card repayment process also involves the purchase of foreign currencies. Automatic is the most commonly used to purchase foreign exchange management tools, for the repayment of foreign currency accounts receivable arising from the consumer, just before the due repayment will be sufficient amount of renminbi (RMB + foreign currency debt arrears) into the credit card accounts, each Meeting of the RMB deposit will automatically issue a priority for repayment of outstanding bills payable in foreign currency in excess of RMB accounts used to pay part of the arrears.



If repayment has been automatically opened, the due date of repayment, the foreign currency bank accounts in arrears will be automatically converted into yuan and RMB accounts in arrears from the financial management of the RMB card or passbook accounts automatically transfer payments. If you do not have enough to repay the balance of RMB and foreign currency accounts in arrears, automatic repayment will not succeed, there are other ways to purchase foreign exchange to purchase foreign exchange to repay the Bank network, telephone and counter purchase of foreign currencies to purchase foreign exchange to repay the repayment.

Consumer loans up to apply for down payment requirements?

The first payment not enough buyers, can apply for loans to alleviate the "urgent needs." In accordance with the relevant provisions of the bank, if used to pay down consumer loans, mortgages in the process, the percentage of loans will decrease.





For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.





And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.



By-laws: for consumer loans would have to pay for the cost of



Assessment fee credit lines for more than 500,000 in 500

In the line of credit 1,000,000 for more than 1,000 yuan

500,000 in credit lines for the following 300 yuan



Notarization fee contract thousandth



400 yuan fee



Mortgage registration fee 200 yuan