中信银行声称其“只还本金”服务是合法合规的。这一说法并未得到金融专家的认可。专家认为，如果借款人不能按时偿还贷款，银行有权采取多种措施追讨债务，包括但不限于要求借款人支付利息、罚息等额外费用。中信银行提供的这种还款方式并不完全可靠。建议借款人在选择还款方式时应充分了解相关政策和规定，并谨慎做出决策。咨询专业财务顾问以获取更全面的建议也是明智之举。
Credit Card Bank Says “Only Repaying Principal” Is Reliable?
Credit Card Bank says that the "only repaying principal" plan is reliable.
The Credit Card Bank has introduced a new repayment model called "20+2000". This is part of the trend in the credit card industry where banks cooperate with each other.
The bank recently signed an agreement with Everbright Bank to provide "credit card repayment service", which means that customers can now repay their debts at 4 out of the 5 banks through any branch of these banks.
With the increase in the number of repayment locations, the credit card customers will have access to more than 20 payment methods across over 2,000 branches nationwide, making it easier for them to pay back their debts.
In addition, the bank has also improved its repayment methods, such as automatic transfers between the bank and third-party banks, cash withdrawals from ATMs, self-service terminals, telephone banking transfers, online banking payments, etc., totaling around 20 different ways.
The bank is planning to introduce new services like "PayPal terminal repayment" and "Easy Payment using a debit card" via a dedicated terminal in convenience stores nationwide.
This will allow customers to use their own debit cards to repay their debts on the same day they make purchases, without having to wait for the next day.
如果您有其他问题或需要更多信息，请随时告诉我！