The Beijing White Strip is a consumer credit product for users in Kyoto, which can be consumed in Kyoto and under-line cooperative businesses to make purchases easier. However, when using the Kyoto whites, users need to pay attention to repayments, otherwise they will have an impact on credit records. So how should the Beijing White Book be repaid

How do you repay the Beijing White Note

I. METHODOLOGY

AT PRESENT, KYOTO WHITE WHITE SUPPORTS TWO REPAYMENTS: ONE IN “MY WHITE NOTE” ACCOUNTS, WHERE REPAYMENT AMOUNTS ARE CONSIDERED THROUGH “INVOICING” AND THEN THE AMOUNT AND BANK ARE CHOSEN; AND THE OTHER IN THE BANK'S APP, WHERE THE USER IS REQUIRED TO ADD A WHITE-COATED BANK CARD TO THE BANK'S APP AND THEN TO CHOOSE “KYOTO WHITE NOTE” FOR REPAYMENT. IN BOTH WAYS, SELF-HELP REPAYMENTS ARE AVAILABLE AND DO NOT REQUIRE REPAYMENT BY AN UNDERGROUND INSTITUTION。

Time for repayment

The repayment time of the Beijing White House is 15 days after the monthly billing date, and the user is advised to pay it before the repayment date so as not to incur additional costs and affect credit records. If the repayment is not possible for special reasons, it is recommended that reimbursement arrangements be made after timely contact is made with the Kyoto guest or bank。

Advance repayments

The Beijing White Book supports early repayments, which the user may choose to make in “my white note” by entering the repayment amount. Advance repayments can be effective in avoiding additional costs and interest incurred over time, while also increasing personal credit ratings and borrowing success rates。

IV. Rolling repayments

If the user is unable to pay the full amount on the repayment date, a rolling repayment may be made, i.e. only part of the amount, rolling the remaining amount outstanding into the next repayment cycle. It should be noted, however, that rolling repayments would result in a certain amount of demurrage and interest, and it was suggested that they should be avoided as much as possible。

V. Overdue payments

If the user is late in paying, the kyoto whites will produce a certain amount of late payment and interest and will affect personal credit ratings. If the delay is long, the company will also be called upon to collect and legally recover the arrears. It was therefore important to avoid overpayment and to maintain a good credit record。