Baidu Knows

The money was transferred to the cancellation card and returned a few days later ... spread out.

Lawyer Tang Xiao.

Financial observer

lawyer

Consultation concern

Become the 5434th fan.

Return as soon as possible on the same day.

First, the money transferred to the cancelled debit card cannot be transferred out. If Kaka transfers money from the same bank, it will be returned to the transfer account at that time, and transfers from other banks will be returned to the transfer account within 24 hours.

2. If the depositor needs to change the company's bank settlement account due to relocation and other reasons, the account balance can only be transferred to other company's bank settlement accounts with the same name by transfer, and no cash can be withdrawn.

3. If the depositor cancels the basic settlement account due to merger, dissolution, bankruptcy, closure, cancellation or revocation of business license, he can transfer the balance of the account to the investor's personal settlement account or withdraw cash in proportion according to the proportion of the original investor's capital contribution or the resolution of the shareholders' meeting signed by all investors.

If the credit card holder of China Bank no longer uses the credit card, he should inform the bank in advance and apply for cancellation. When applying for account cancellation, the cardholder shall go through the account cancellation procedures in accordance with bank regulations. China Bank's credit card account cancellation process is that after applying for account cancellation, account cancellation cannot be completed immediately. 45 days after the cardholder applies for account cancellation, the bank will cancel the account for the customer if there is no debt or balance in the customer's account; If there is still debt, the bank will take the initiative to inform the customer to repay as soon as possible and complete the account cancellation; If there is still a balance, you can go to the branch of China Bank to return the balance; When the main credit card of BOC is cancelled, all the subsidiary cards under its name will be cancelled.

China Bank Credit Card Cancellation Method:

1. Call the customer service hotline of China Bank for card refund.

Credit card holders of Bank of China can call the 24-hour customer service hotline of Bank of China to apply for account cancellation, and Bank of China will check the status of the credit card under the customer's name. If the account cancellation cannot be completed immediately, the bank will cancel the account for the customer 45 days after the cardholder applies for account cancellation and there is no debt or balance in the customer's account; If there is still debt, the bank will take the initiative to inform the customer to repay as soon as possible and complete the account cancellation; If there is any balance, you can go to the branch of China Bank to return the balance.

Second, cancel the card at the credit card counter of China Bank.

Credit card holders of China Bank can also bring their ID cards to the counter of China Bank's business outlets to cancel their cards. The staff at the counter will cancel your credit card. The whole process only takes a few minutes. However, if there are many people doing business in the bank, it will take a long time to queue up. It's better to save time by calling.

What if the overdue credit card shows that the card has been cancelled?

If the overdue credit card display card has been cancelled, the customer had better call the issuing bank and ask the staff about the situation. Because banks don't cancel customers' cards for no reason, they usually have to apply to the bank for cancellation, and the bank will cancel the cards. Moreover, it is impossible to successfully return the card in the case of overdue arrears. The card cannot be successfully cancelled before there is no overdue debt and no overpayment.

So you'd better ask the bank staff to see if there is any problem with the card, and you'd better bring your personal ID card and card to the bank outlet to repay the loan.

Don't think that since the display card is cancelled, you don't have to pay back the money you owe, otherwise the consequences will become more and more serious if you continue to overdue. At that time, not only will there be more and more penalty interest, but also the repayment pressure will increase and personal credit will be seriously damaged. Later, to apply for credit cards and loans may also be blocked by credit problems.

The consequences of overdue credit cards are: high handling fees, the influence of personal credit and legal risks.

First, the cost is high.

If the credit card is overdue, you have to pay interest and overdue fees. Generally speaking, this fee will be higher than the usual repayment fee because of its high interest rate. Generally speaking, the interest rate of overdue credit cards is 0.5 ‰ per day, which is very high compared with bank deposits and bank loans. If the overdue benefits are too late to repay the interest, they may be more and more, like snowballing, and they really can't be repaid in the future, so the credit card is overdue and must be returned as soon as possible.

Second, the influence of personal credit.

Overdue credit cards will fall on the overdue person's credit file. When you use a credit card in a credit bank, there will be problems with your credit. Failure to repay in time will have an impact on your personal reputation in the future, and even on your future mortgage, car loan and work life. I believe many people are aware of the importance of personal credit. In the current information age, people without credit can't go anywhere, and credit report is also very important for personal credit. Once your credit card is overdue, your credit report will show that your credit card is overdue, which is very serious.

Third, facing legal risks.

If the credit card is overdue, you should take the initiative to repay the overdue money, otherwise the bank has the right to negotiate through legal channels and even freeze assets. Any bank credit card will face legal risks, and even the property can be frozen for auction. Personal losses are relatively large, so if the bank credit card is in arrears, it must take the initiative to pay it back in time. And at the same time of economic consumption, we must pay attention to our economic ability and never let the bank credit card expire.

What should I do if the credit card repays and returns the cancellation card?

Take the cancelled credit card and my ID card to the bank counter to withdraw money. You must go to the counter and you can't take it out by other means.

Generally, it is not successful to return the money to the cancelled account by mistake when paying by credit card, and the money will be automatically returned to the payer's account, and then it can be repaid again. Credit card repayment is generally received within 1 day. Moreover, some banks also stipulate that they must go to the provinces or even cities where ID cards are registered. If the cardholder works in other places, he can only find another way out.

Extended data

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit card repayment method:

I. Intra-bank repayment

Two. Intra-bank repayment

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Third, mobile phone repayment.

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Fourth, convenience store repayment.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

What if the credit card returns the cancelled card? Pay attention to these matters.

Card friends often cancel their credit cards on some third-party platforms and fail to untie them in time. Causing other credit cards to be accidentally transferred to the cancelled card. In order to prevent other cards from being overdue, they want to take out the wrong money. So, what should we do in this case? Let's have a look.

What if the credit card returns the cancelled card?

This is divided into two situations according to the status of the credit card.

I. Pre-cancellation of credit cards

That is, it has applied for cancellation, but it is still within the 45-day pre-cancellation period. Because it has not been officially cancelled, the account still exists, which can normally generate arrears and receive repayment. If the repayment is returned to this credit card, it will lead to unsuccessful cancellation if it is not taken out.

But generally speaking, credit cards with pre-sale period cannot be directly inserted into ATM machines for cash withdrawal. Cardholders may be required to bring their credit cards and their valid identity documents to the city outlets where the bank is located, and cash withdrawal in different places is not supported.

Some people may say that it is so troublesome to withdraw cash, it is better to use the card directly. Although this method is feasible, it needs to reactivate the credit card in advance, and it is likely to be handled at a bank outlet, and a card opening fee may be charged.

2. Cancelled credit cards

This depends on whether the card is cancelled or the account is cancelled.

1, pin card

If you just cancel your card, and there are other credit cards in your name, you can check whether the money has been misdirected into other credit cards. If you have, you can take a credit card to withdraw money.

But before that, it is clear whether the money is deducted from the arrears of this card or exists as an overpayment. If the former withdraws money from the credit card limit, it will not only charge interest, but also charge a handling fee. It is important that you pay back; If it is the latter, it will not generate interest, but it may generate expenses. You might as well swipe your card directly.

2. Cancel the account

Don't be nervous in this case. The account is gone. Even if the repayment is unsuccessful, the money will generally return the same way, but it may take 1~3 days for the refund to arrive.

If you are not sure, you can call the card issuer directly and transfer it to manual customer service for clarification.

This concludes the introduction of cancelled credit card repayment and cancelled credit card repayment. I wonder if you have found the information you need?