How to early repay SMBC credit card
If you have a credit card from SMBC in Japan, you may want to make an early repayment of the card balance to recover the credit limit.
In general, the steps are to first notify SMBC that we wish to make an early repayment, where the repayment details will be given. Then we transfer funds according to the repament details provided. I highly recommend to try repaying a small bill first just to make sure you’ve got all the steps right.
Online Early Repayment
SMBC has an FAQ page about early repayment お振込みによる臨時のお支払い that can be done entirely online. It contains general information on early repayment timeline and a note on partial repayments, so I recommend reading that first. You’ll also need to have a Vpass account.
Make a repayment notification
On the FAQ page, scroll down the page to the お申し込み “Apply” section.
At this point login to Vpass.
Select the date of fund transfer. This has to be a business day. If you’re planning to make the transfer after 3pm, select the next business day. Click on 次へ進む “Proceed to next”.
The next page shows the amount possible for early repayment. This should match with the outstanding balance. If there’s a regular bill deduction coming up soon, this will be the outstanding balance less that amount.
In the 臨時のお支払い金額の指定 “specify the amount of the temporary payment” section, under 1回払い “one-time payment”, select すべてを支払う “pay full amount”. Click 確認する “confirm”.
Verify the selection on the next page, then click 申し込む “apply”.
The next page shows the details of the bank to transfer funds to. This is different for everyone, and might be different each repayment so check each time.
Note: after this, you’ll receive an email titled 「お振込みによる臨時のお支払い」お申込受付完了のお知らせ to inform that a repayment notification has been requested (ie, what we did above was successful).
Transfer funds
Make a transfer following the repayment details earlier. The sender name should be the same as the cardholder name, and the amount should match exactly.
The card balance and credit limit should be updated after 1–2 business days.
For the next early repayment, repeat the whole process again as the repayment details could change.
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