The credit card bill is more than the actual consumption amount, which may be due to a chargeback. Since the amount has been paid out, even if a refund occurs, the bill amount will not change. This amount will be restored to the credit card limit. Then when the user repays the bill, the bill amount will be more than the actual amount. However, This amount that has been refunded does not actually need to be repaid.

Therefore, users only need to verify the bill once, and they will know the reason for the inconsistency between the bill amount and the actual consumption amount.

The credit card statement date means that the card-issuing bank will regularly summarize and settle the various transactions and expenses that occurred in your credit card account every month, calculate the interest, and calculate the total amount of debt you owe in the current period and the minimum amount. The repayment amount will be mailed to you. This date is your credit card statement date.

What should I do if the bill is wrong?

After receiving the bill, card users often face questions about the credit card bill. At this time, you can call the customer service hotline of the financial institution and ask for disputed account inquiries. The financial institution will answer your questions. Find out about any doubtful consumer accounts.

In order to handle disputed transactions quickly, financial institutions will ask you to present relevant transaction information. Based on experience, many card users feel that the consumption address is wrong. The most common situation is the name of the consumption address. It is different from the actual company name, causing the card user to mistakenly believe that he or she has made a purchase here.

There is also a situation where the bill limit does not match the actual consumption limit, so the card user is best to find the saved signature receipts and check them one by one. If there is any doubt, It is better to apply again.

In order to reduce inconvenience, card users should properly store the receipt after swiping the card to facilitate comparison of the purchase order, because when the card user retrieves the purchase order from the financial institution, the card-issuing financial institution will require The cardholder pays a certain inquiry service fee.

How to query credit card statements:

1. Bank branch query: You can go to the bank branch to query, and just ask the bank teller for the detailed credit card statement

2. Log in to personal online banking: Credit card holders log in to the bank's online banking of the card-issuing bank and conduct bill inquiries through the credit card inquiry in the account inquiry service.

3. Log in to the mobile banking APP: Download and log in to the official APP of the credit card issuing bank, and then bind your credit card to directly query the bill.

4. Call the bank customer service hotline: You can call the service hotline of the credit card issuing bank and transfer to manual service to ask customer service to help you make inquiries.

5. Some banks can check credit card bills through text messages: such as China Construction Bank, just send the CCZD# card number to your mobile phone to check.

6. WeChat query: For example, Bank of China, after binding the bank card, you can query the bill.