The reserve fund for credit card consumption of ABC came from ABC not long ago, and many people went to handle it. Because this reserve fund can have a maximum amount of 300 thousand, it can be said that it is very popular. Many people have asked about this reserve fund, such as: how to repay the reserve fund for credit card consumption of ABC? I will answer your question today.
I. Online Banking/Personal Banking Repayment
You can log in to the online bank of Agricultural Bank of China or the mobile phone client of Agricultural Bank of China. After you apply for the reserve fund for credit card consumption of Agricultural Bank of China, the funds will be directly transferred to your designated credit card of Agricultural Bank of China for your use.
When you make repayment, you only need to return the money to this credit card, find the repayment button in the "Credit Card" interface of online banking/pocket banking, and make repayment according to the number of installments.
Second, the third-party payment platform repayment
Because this consumer reserve fund is used by a credit card, you only need to pay back that credit card, so you can also repay it through a third-party payment platform. For example, you can log in to Alipay and find "Credit Card Repayment" for repayment.
Third, self-service repayment
You can also set up self-service repayment, so that the banking system can automatically deduct money from your credit card every repayment day. Of course, you have to make sure that there is enough money in the card before the deduction.
The above is "How to return the reserve fund for credit card consumption of Agricultural Bank of China?" The answer. If you apply for the credit card consumption reserve fund of ABC, don't worry about repayment, because the reserve fund is transferred to the credit card, so you only need to return the designated credit card when you repay.
How to pay back the credit card reserve?
The reserve fund can be repaid by credit card in installments, and the credit card can also be repaid when it is repaid. However, the repayment of the credit card reserve fund requires a handling fee for each installment, that is to say, even if it is repaid in advance, the handling fee for each installment must be paid.
Credit card reserve refers to the additional credit line provided by banks to cardholders, but these lines are not included in the credit card line. They are recorded in the credit card bill when swiping the card, and can be repaid by credit card installment, which is similar to the credit card cash installment, except that the cash installment occupies the credit card quota and the reserve fund does not. The so-called credit card reserve fund is actually a kind of credit fund beyond the credit limit provided by banks for high-quality credit card customers, which is usually limited to decoration, home appliances, wedding, car purchase, student assistance, tourism, medical care, shopping and so on. To put it bluntly, banks encourage spending money and earn some interest and handling fees. The biggest attraction of consumer reserve fund is that it does not occupy the credit limit of credit card, which is also the reason why many people handle it. However, in the process of targeted sales promotion by SMS or telephone, many consumers have not had time to study it carefully, so they must consult the handling fee of each repayment period when handling it, so as to avoid being at a loss when repaying later.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
How to pay back the Ping An credit card reserve fund?
The consumption amount of Ping An reserve fund in China will be directly included in Ping An credit card bill, and the applicant can repay Ping An reserve fund in China only by paying Ping An credit card bill. You can also deposit the repayment funds directly into the credit card. On the repayment date, the bank will automatically repay the loan, but if it fails to repay the loan within the time limit, the bank will automatically collect overdue penalty interest and late payment fee.
Ping An reserve fund can also be repaid in advance. If you choose to repay in advance, you need to pay off the arrears of the provident fund in one lump sum, and the fees already paid will not be refunded. You just need to transfer the arrears to the credit card, and the handling fee generated during the remaining period of the loan will be charged at 3% of the repayment principal.
Credit card characteristics
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
It can simplify the collection procedure and save social labor.
Can promote commodity sales and social needs.
Credit card repayment method
In the issuing bank, this method includes: 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.
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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.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
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.
Counter repayment 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 host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card 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.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees 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.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
So much for the introduction on how to return the credit card reserve fund.