Credit cards of rural credit cooperatives provide the following repayment methods: 1, and repayment over the counter. The cardholder himself carries the original valid ID card, credit card and cash to the counter of any branch of rural credit cooperatives for cash repayment.

You apply for a loan in a rural credit cooperative, and the loan period is one year. If it is not due, you can repay it in advance. As long as you apply for prepayment, you can repay the remaining principal in one lump sum after approval.

What are the repayment methods of rural credit cooperatives? The repayment of rural credit cooperatives is easy to understand.

Many friends have been exposed to the loans of rural credit cooperatives, but the loans of rural credit cooperatives are relatively small, and many people don't know how to repay the loans of rural credit cooperatives. So what are the repayment methods of rural credit cooperatives? Let me talk to you today.

First, the repayment methods of rural credit cooperatives loans are:

1. Interest shall be settled annually, and the principal and interest shall be repaid in one lump sum at maturity.

2. Interest shall be settled quarterly and the principal shall be repaid in installments.

3. Pay interest quarterly, and repay the principal and interest once due.

Two, rural credit cooperatives credit card repayment methods are:

1. Automatic repayment: automatic repayment is also called agreed repayment. Credit cards of provincial rural credit cooperatives and rural commercial banks support automatic repayment associated with debit or quasi-credit card accounts of provincial rural credit cooperatives and rural commercial banks, and credit card accounts are deducted from the debit or quasi-credit card accounts regularly every month. There is no handling fee for repayment in this way, which can be handled through the provincial rural credit cooperatives, rural commercial bank online banking, outlet counters and credit card customer service hotline.

2. Online repayment: Credit card holders can make repayment through online banking of provincial rural credit cooperatives, rural commercial banks or online banking of other banks. There is no handling fee for repayment through our online banking. If repayment is made through online banking of other banks, the handling fee should be negotiated with other banks.

3. Mobile phone repayment: the cardholder can repay through the provincial rural credit cooperatives, rural commercial banks' mobile phone clients, provincial rural credit cooperatives, rural commercial banks' outlets, provincial rural credit cooperatives, rural commercial banks' self-service machines, other banks' counter transfers/remittances and other bank self-service machines.

Three, rural credit cooperatives student loan repayment:

1. The loan interest of students during the school period shall be calculated according to the benchmark loan interest rate applicable to the agreed loan term, and the loan interest owed during the school period shall not be compounded.

2. Repaying the principal and interest of the loan after graduation: if the loan term is within 1 year (inclusive), the principal and interest can be repaid in one lump sum; If the loan term exceeds 65,438+0 years, the average capital repayment method or the equal principal and interest repayment method can be adopted, and it can also be repaid in monthly or quarterly installments or in one lump sum at maturity; If it is necessary to change the repayment method, the borrower should apply to the agency before the students leave school, go through the repayment confirmation procedures, formulate the repayment plan, and sign the Supplementary Agreement on Repayment of Student Loans. Interest on loans owed after graduation should be accrued and compounded.

3. The lender allows eligible borrowers to repay the loan in advance. The specific way to repay the loan in advance is determined by the borrower and the borrower through consultation, and the interest is calculated according to the actual term of the loan, and no other fees are charged except the interest payable.

4. Lenders can also stipulate a two-year loan grace period in the contract depending on the employment situation of students after graduation. During the grace period, only the interest is paid, not the principal. After two years, repay and pay off the loan principal within the contract period.

The above is the introduction of loan repayment methods of rural credit cooperatives, hoping to help everyone.

How to repay the credit card of rural credit cooperatives?

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2. Inter-bank transfer repayment from other banks, including but not limited to online banking, mobile banking and ATM transfer from other banks. Be sure to pay attention to the time of account payment. Generally, it takes a relatively fast time to receive inter-bank transfers, and most banks can repay them for free.

3. Open the automatic debit service and bind a debit card to the rural credit card. When due, the debit card will be automatically deducted for repayment, but only once a month on the last repayment date. It is necessary to ensure that there is enough repayment amount in the debit card before the deduction date, otherwise the deduction fails and manual repayment is required.

4. Third-party repayment channels, such as UnionPay China UnionPay Express APP, WeChat, Alipay, etc. Third-party repayment channels are different, and the handling fees involved are also different. If you want to repay for free, UnionPay China UnionPay Express APP is a good choice, with fast arrival speed and a chance to grab the repayment red envelope. Finally, I would like to remind you that the above methods are the most common repayment methods for rural credit cards, but which one is suitable depends on the regulations of the issuing bank. If you don't know which method to use, or what problems you encounter in repayment, it is recommended to call the ABC credit card service hotline directly to consult customer service.

: (Operating system: Alipay Apple 12, ios 14, Alipay version 10.2.3)

The repayment of loans by rural credit cooperatives is directly credited to the bound repayment account. When applying for a loan from a rural credit cooperative, there will be a repayment savings card. When repaying, you only need to return the repayment amount of the current month to the repayment savings card, and the repayment savings card will automatically deduct the repayment.

1. Long press to open Alipay APP on your mobile phone.

2. After logging in to the software, find and open the "Credit Card Repayment" function on the homepage of the software, and click Enter.

3. Then click "Add Repayment Type" at the top of the page.

4. In the pop-up menu below, select Add Credit Card Return.

5. Then enter the credit card information of rural credit cooperatives in the page and click "Confirm" below.

6. After the credit card of the rural credit cooperative is successfully added, you can click Enter Repayment, enter "Repayment Amount", and click "Confirm Repayment" to enter the payment process, so that the credit card of the rural credit cooperative can be repaid.

How to repay the credit card of Hubei rural credit cooperatives?

Repayment through the outlet counter.

You can freely choose "full repayment" or "minimum repayment". If you choose full repayment, consumers can enjoy an interest-free period of up to 54 days.

According to Article 13 of Fuka Credit Card Articles of Association of Hubei Rural Commercial Bank:

The cardholder shall display the logo of the credit card organization or company (including but not limited to VISA) on the card face.

, MasterCard, UnionPay), which can be used at acceptance points with acceptance marks at home and abroad and other special merchants (including online merchants), business outlets and self-service equipment designated by card issuers.

Cardholders' consumption and cash withdrawal transactions at home and abroad must abide by national laws, regulations and rules, as well as the relevant provisions of card issuers, special units and credit card organizations or companies. Cardholders who use credit cards to conduct business through electronic banking channels shall abide by the relevant articles of association, agreements and trading rules of the card issuer's electronic banking business. Company cards cannot be withdrawn directly.

Extended data:

According to Article 16 of Fuka Credit Card Articles of Association of Hubei Rural Commercial Bank:

All transactions with passwords are regarded by the card issuer as the cardholder's own, such as credit card consumption, deposit and withdrawal, online payment, mobile phone payment, etc. , according to the password and other electronic information for the cardholder, the electronic information record generated by the transaction is a valid voucher for the transaction.

If a transaction is conducted without a password, the transaction voucher signed by the cardholder, other supporting documents agreed between the card issuer and the cardholder or other basis for confirming the cardholder's own consumption are valid vouchers for the completion of the transaction, unless otherwise agreed between the cardholder and the card issuer.

Hubei Province Rural Credit Cooperative (Rural Commercial Bank)-Repayment Service

How to repay rural credit cards? Try these methods.

Although rural credit cards are issued by rural credit cooperatives, they must be repaid after overdraft consumption. Overdue repayment will also affect credit, and many people are not very clear about the repayment method of rural credit cards. I want to know how to repay them. Let's find out.

How to repay rural credit cards?

Rural credit cards are essentially credit cards, and the repayment methods of credit cards issued by banks are similar. There are the following types:

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2. Inter-bank transfer repayment from other banks, including but not limited to online banking, mobile banking and ATM transfer from other banks. Be sure to pay attention to the time of account payment. Generally, it takes a relatively fast time to receive inter-bank transfers, and most banks can repay them for free.

3. Open the automatic debit service and bind a debit card to the rural credit card. When due, the debit card will be automatically deducted for repayment, but only once a month on the last repayment date. It is necessary to ensure that there is enough repayment amount in the debit card before the deduction date, otherwise the deduction fails and manual repayment is required.

4. Third-party repayment channels, such as UnionPay China UnionPay Express APP, WeChat, Alipay, etc. Third-party repayment channels are different, and the handling fees involved are also different. If you want to repay for free, UnionPay China UnionPay Express APP is a good choice, with fast arrival speed and a chance to grab the repayment red envelope.

Finally, I would like to remind you that the above methods are the most common repayment methods for rural credit cards, but which one is suitable depends on the regulations of the issuing bank. If you don't know which method to use, or what problems you encounter in repayment, it is recommended to call the ABC credit card service hotline directly to consult customer service.

How to repay the credit card (debit card) of Yunnan Rural Credit Cooperatives?

There are many ways to repay credit cards (debit cards) in Yunnan Rural Credit Cooperatives, and users can use the mobile banking APP to repay directly. Or log in to the online bank of Yunnan Rural Credit Cooperatives, and make direct repayment in the online bank. In addition, there are third-party software that can help pay back credit cards (debit cards), such as Alipay, WeChat, JD Finance and China UnionPay Express. It should be noted that third-party software may have to pay a handling fee for returning credit cards (debit cards).

Therefore, users can choose the most convenient repayment method and choose the repayment method without paying the handling fee as much as possible.

So much for credit card repayment introduced by rural credit cooperatives.