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        Convenient repayment with diverse options
        The Huaxia Credit Card supports multiple repayment modes, including counter, phone, internet and self-help device, which enables you to make credit card repayment anytime, anywhere.
        Repayment Mode Lead time Handling Fee
        Repayment at the counter of Huaxia Bank Real time Free
        Automatic transfer repayment Payment due date Free
        Repayment through repayment phone devices T+1 day Free
        Online Repayment. The websites are in chinese.    
        Repayment on Huaxia Bank Online Banking Platform Real time Free
        Interbank repayment on China UnionPay Online T+1 day Free
        Repayment via IPS T+1 day Free
        Repayment via 99Bill T+1 working day Free
        Repayment through telephone banking with Huaxia Debit Card (95577) Real time Free
        Repayment through other banks’ ATM Real time Depending on the bank owning the ATM.
        Repayment through other banks counter Please consult Huaxia Bank.

        1. Payment via Huaxia Bank counters
        To make repayment on your Huaxia Credit Card at more than 300 business outlets of Huaxia Bank, you can dial the Huaxia Bank customer service hotline 95577 or log on Huaxia Bank website www.hxb.com.cn to find the nearest business outlet.
        Time of receipt: Real-time
        Processing Fee: No fee for the time being

        2. Automatic repayment
        If you hold a Huaxia Card (Debit Card), you can apply to open the automatic repayment function for your Huaxia Card (Debit Card) through counter, customer service hotline or online banking. After this function is enabled, Huaxia Bank Credit Card Center will each month deduct corresponding amounts from the Huaxia Card (Debit Card) you have designated to repay the amounts in RMBand foreign currencies under your Huaxia Credit Card.
        Time of receipt: T+1Day
        Processing Fee: No fee for the time being *Note: The Huaxia Card (Debit Card) designated for automatic repayment must be a primary card.
        Steps for repayment:

        3. Repayment through 95577
        You can dial the Huaxia Bank customer service hotline 95577 to make repayment for your Huaxia Credit Card. To make repayment for the Huaxia Credit Card through 95577, you will only need to apply for a Huaxia Card (Debit Card) and open the phone banking function on the counter of any Huaxia Bank outlet.
        Time of receipt: Real-time
        Processing Fee: No fee for the time being Steps for repayment:

        4. Repayment through online banking
        If you have opened the contract edition or certificate edition of the online banking for your Huaxia Debit Card, you can access the Huaxia Bank website www.hxb.com.cn to repay on your Huaxia Credit Card.
        Time of receipt: Real-time
        Processing Fee: No fee for the time being Steps for repayment:

        5. Interbank repayment on China UnionPay Online
        The China UnionPay Online website makes repayment easy and convenient. You will only need to register with China UnionPay Online website https://online.chinaunionpay.com to use the debit cards issued by other banks to repay on your Huaxia Credit Card through interbank transfer.
        Currently, the banks supporting by this service include China Merchants Bank, Shenzhen Development Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, China Minsheng Bank, Shenzhen Ping’an Bank (Shenzhen City Commercial Bank), Shenzhen Rural Commercial Bank, Bank of Communications (Shenzhen) and Huaxia Bank.
        Time of receipt: T+1Day
        Processing Fee: No fee for the time being .
        * So far, the China UnionPay Online website has launched the same name verification function. If you have passed the same name verification for your debit card and credit card, you will enjoy safer and more convenient repayment.
        * Note: The debit cards supporting this service are developed by China UnionPay, and the list of such debit cards will be updated from time to time. banks supporting this service shall be subject to the information published by China UnionPay.
        Steps for repayment:

        6. Repayment through other phone devices
        You can find repayment devices at nearly 10,000 convenient payment outlets and all business outlets of Huaxia Bank to complete interbank repayment with ease.
        At present, all the debit cards bearing the China UnionPay logo can be used to make repayment for the Huaxia Credit Card.
        Time of receipt: T+1Day
        Processing Fee: No fee for the time being.
        * Please log on map.lakala.com to find the nearest convenient payment outlet.
        * Note: The debit cards supporting this service are developed by China UnionPay, and the list of such debit cards will be updated from time to time. Specific banks supporting this service shall be subject to the information published by China UnionPay.
        2. Repayment times and amount restriction each month are subject to the announcement published by the company owning the phone devices.
        Steps for repayment:


        7. Repayment via 99Bill
        If you have opened the online payment function for debit cards issued by specified banks, you can make repayment for the Huaxia Credit Card through the 99Bill website www.99bill.com. The website supports the debit cards issued by the following banks:
        Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, China Minsheng Bank, Industrial Bank Co., Ltd., Shanghai Pudong Development Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Nanjing, Beijing Rural Commercial Bank, Bank of China, Bank of East Asia, Bank of Ningbo, Shenzhen Development Bank, Guangdong Development Bank, Ping’an Bank, Bank of Hangzhou, China CITIC Bank, China Everbright Bank and China Postal Savings Bank.
        Time: T+1working day.
        Processing Fee: No fee for the time being.
        Notes:
        (1) The list of the banks whose debit cards are supported is subject to the latest announcement published on the 99Bill website.
        (2) Please inquire the issuing bank for online payment functions of their debit cards.
        (3) The limit of single transfer and the accumulative limit of transfer are subject to the provision of the banks issuing the debit cards.
        (4) The 99Bill repayment on credit cards does not support repayment between credit cards, or repayment with credit card for others.
        Steps for repayment:

        8. IPS repayment
        You can make repayment for the Huaxia Credit Card through the IPS website (http://main.ips.com.cn).
        The website supports the debit cards issued by the following banks:
        Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Agricultural Bank of China, China Minsheng Bank, Industrial Bank Co., Ltd., China Everbright Bank, Bank of Nanjing, Bank of Beijing, Huaxia Bank, Bank of Hangzhou, Bohai Bank, Zheshang Bank, Bank of Shanghai, Ping’an Bank, Shenzhen Development Bank, Guangdong Development Bank, Beijing Rural Commercial Bank and Zhejiang Chouzhou Commercial Bank.
        Time of receipt: T+1Day
        Processing Fee: No fee for the time being.
        Notes:
        (1) The list of the banks whose debit cards are supported is subject to the latest announcement published on the IPS website.
        (2) Please inquire the issuing bank for online payment functions of their debit cards.
        (3) The limit of single transfer and the accumulative limit of transfer are subject to the provision of the banks issuing the debit cards.
        (4) The IPS repayment does not support repayment between credit cards, or repayment with credit card for others.
        Steps for repayment:

        9. Repayment on automatic devices
        Support transfer on China UnionPay ATM. You can use the bank cards of Huaxia Bank or other banks to make repayment for the Huaxia Credit Card through transfer on China UnionPay ATM.
        Time of receipt: Real-time
        Processing Fee: Subject to the fee rate of the bank owning the ATM. Please inquire the bank owning the ATM about concrete matters and fee rate.
        Steps for repayment:

        10. Repayment through counter transfer at other banks
        f Huaxia Bank has set up a business outlet in your city, you can make repayment for your Huaxia Credit Card through counter transfer at other banks, with any business outlet of Huaxia Bank being the account bank of your Huaxia Credit Card.
        If Huaxia Bank has not set up a business outlet in your city, you can also make repayment for your Huaxia Credit Card through counter transfer at other banks, with the Business Department of Huaxia Bank Beijing Branch being the account bank of your Huaxia Credit Card.
        Time of receipt: Subject to the time specified by the transfer-out bank
        Fee: Subject to the fee rate of the transfer-out bank
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