During the Chinese New Year, don't forget to repay your credit card. It is necessary to transfer money across the bank!
Edit: PeterSource: Rong 360 originalDate: 2018-02-13
During the Chinese New Year, if you catch up with the credit card repayment date, don't forget to pay back because you are immersed in the festive atmosphere. Credit card overdue repayments, first, to bear the cost of interest and liquidated damages, but will affect the credit information, resulting in bad credit records, it is difficult to apply for mortgages and car loans in the future.
During the Spring Festival, credit card repayments need to pay attention to the following three aspects:
1, repayment should be early, pay attention to the account time
Holidays, some banks' cross-bank transfer repayments are delayed or the channels are closed. Be sure to know in advance whether your usual repayment channels can be used normally, and what is the time of arrival. In order to avoid overdue due to delay in arrival time, try to repay 2-3 days in advance, do not rush to repay on the date of repayment. In particular, cross-bank transfer repayments must be a few days in advance.
In addition, some banks have limit restrictions on interbank transfer repayment. Over the past year, there will be more credit card spending, and the amount of bills involved may be larger. If the repayment amount exceeds the limit of cross-bank transfer repayment, it will lead to The payment failed.
For example, through the Ping An Bank inter-banking Pudong Development Bank credit card, the single limit is 50,000 yuan (including); through the Postal Savings Bank and the Bank of Communications credit card, the single limit is 10,000 yuan; through the China Merchants Bank inter-bank credit card, the single limit is 1 Ten thousand yuan, and so on.
2, brushed a dual-currency credit card, must pay attention to foreign currency repayment
It is no problem to double-currency card with US dollar bills, which will involve a troublesome thing - you need to buy remittance. In this way of accounting, it is best not to bind credit card automatic repayment. On the one hand, some banks do not support automatic repayment of foreign currency. Even if automatic repayment is supported, the monthly purchase date is fixed and the purchase of foreign exchange on the same day. The exchange rate is not necessarily appropriate.
3, the credit card temporary limit should be paid off in one lump sum
The temporary credit limit of the credit card is easy to mention, but the temporary credit cannot be re-circulated, and it cannot be used again after the expiration date. It is necessary to apply for an extension. The credit card temporary amount needs to be repaid in one lump sum, cannot be repaid in installments, and cannot be repaid in accordance with the minimum repayment amount. Therefore, the cardholder who uses the credit card temporary amount must prepare sufficient repayment amount to pay off the temporary amount in full, otherwise it will be overdue.
What happens if a credit card overdue payment occurs?
1, the first time to pay off in full
Generally speaking, if the amount owed is not large and can be repaid in time, and some banks have 3 days of repayment, the personal credit will not be a problem. If it is overdue, in order to avoid more interest expenses, it is necessary to pay off the debts in a timely manner.
2, query personal credit
Check your personal credit report in time to see if it is overdue.
3, continue to use the card
Many people think that after the deadline, they will make up the repayment and then sell the card, there will be no problem, but it is a big mistake. After the deadline, it is recommended to continue to use the credit card to cover the record of bad debts.
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