maker's soup

Shopping shopping, friends and family dinners, outings, credit cards can get, some businesses also launched a joint bank credit card offers, cardholders tempt the appetite. However, after spending snowflakes flying credit card bills each cardholder must face reality. Bank staff said, overdue will not only be charged overdraft interest and late fees, but also have an impact on credit. In this paper, an inventory of the various existing valid credit card repayment method for the cardholder repayment Weapon. Looking through the offers, it is difficult to find out the best credit card in singapore as different cards suit different spending patterns.

Enhance the amount of time to pay off the temporary
During the holidays, for a large consumer demand cardholders will generally apply for a temporary facility to enhance the credit card, but need to be noted that the temporary line of credit cardholders get is a "valid", mostly for 30 days. After the expiration of the cardholder's credit card line of credit will be automatically restored to its original amount.
A bank credit card center customer service staff explained, "does not enjoy the temporary revolving credit facility, the actual credit card over part of the original credit amount will be recognized in the income statement is also the minimum amount needed to pay off the due repayment once before." If temporary limit expires, the cardholder has not yet been returned to use part of the temporary facility, the bank will charge fees overrun by a certain percentage, usually 5% overrun parts.

Binding once associated account
If the credit and debit cards are the same bank, the binding of repayment can be said once and for all. Just by association automatic payments, the bank will automatically deduct the amount from the customer's final repayment date debit card account, credit card payment that month should also easy to get repayment.
At present, most banks have introduced automatic repayment bound business, cardholders simply hold a valid identity card, credit card and debit card want to bind to the bank can handle any outlets.
At the same time, some banks offer automatic payments business more humane, such as automatic debit card payments in full repayment of the balance is not enough, the bank will deduct a portion of the first paragraph to repay the current minimum payments required , in order to avoid late fees and other expenses.
Another point to note is that if the exit card to play, a lot of dual-currency credit card is not automatically associated with the repayment of RMB against foreign currencies, then the need to purchase foreign exchange business job opening.

Repayment convenient self-service channel
In addition to traditional counter repayment young "race card" can also choose electronic channels, such as online banking or mobile banking to complete repayment. It is understood that the current online banking, telephone banking, mobile banking, ATM machine and so support credit card payments. If the cardholder has opened online banking, telephone banking or mobile banking services, the repayment day a few days, you can easily take advantage of these channels buffet or before the repayment.

Third-party payment platform mention a few days ago
If held by credit and debit cards are not the same bank, you need to interbank payments, inevitably incurred. Then select the third-party payment repayment not only convenient, but also save a lot of fees, such as Paypal, UnionPay online, Kara and so on. It is understood Kara Su fruit in Nanjing, the super Wal-Mart has a credit card machine. Which China Construction Bank, Bank of China, Agricultural Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing Kara repayment by credit card, you need to pay 2 yuan / pen fee.
 
At present, the use of computers in Alipay to their credit card repayments, still free of service charges, to others repayment repayment amount will be charged a 0.2% service charge, minimum 2 yuan / T, up to 25 yuan / pen. But cardholders phone, Pad Alipay mobile client, either to yourself or someone else's credit card payments are free of service charges.
To remind the industry, the use of third-party payment platform for credit card payment credited into account the time needed to pay attention to money, the best repayment ahead two or three days to avoid being penalty. After the operation, such as the repayment by Kara, some banks credit card limit is real-time recovery, such as China Merchants Bank, China Minsheng Bank, China Everbright Bank. And there are some credit card limit recovery to wait 1-3 days, for example, requires T +1 day Huaxia Bank, China Construction Bank require T +2 days, the Bank of China, Industrial and Commercial Bank of China will need T +2 days. And by Alipay online payment methods, most banks can now arrival.