Cardholders use credit cards after 1 1 in the evening, and credit cards usually arrive within two days. Different pos machines have different regulations on the specific time. At present, the consumption of pos machines will arrive on the same day on T day, and on t 1 day, it will arrive on the next day after swiping the card. It should be noted that eleven o'clock is a sensitive time that banks pay more attention to, and most shops and consumer places close at eleven o'clock. If users swipe their cards frequently at eleven o'clock in the evening, banks are likely to control risks.
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According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
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, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
How long will it take for the credit card transfer to arrive? Different banks have different hours.
Most card friends have high requirements on the speed of capital flow, and the most concerned thing is how long it takes for credit card transfers to arrive. I want to tell you that credit card transfer has a particularity, and the time standards of major banks are different.
The nature of credit card transfer
Credit cards are different from traditional debit cards. It is a consumption card with no saving function. Therefore, according to the relevant regulations of the bank, in fact, there is no transfer business for credit cards. In other words, what we usually call credit card transfer is essentially equivalent to credit card cash withdrawal.
How long does it take to transfer money by credit card?
Regarding the question of how long it takes for credit card transfers to arrive, the following are some general standards of different banks:
Transfer less than 500,000 yuan in ICBC system will be received in real time, and more than 500,000 yuan will be received the next day; Interbank should be based on the time of the People's Bank of China;
The transfer within the Bank of China system will arrive at the account in real time at 9: 00- 17: 00; Inter-bank transfer 1-3 working days;
The transfer within CCB system will arrive at 9: 00- 16: 30; Inter-bank transfer 1-3 working days;
The Bank of Communications system receives the account in real time; Cross-system 24-hour working day arrival;
Transfer the funds in the same city in the investment promotion system to the account in real time. Under normal circumstances, it can be received in 2 working days in different places; Inter-bank transfer in the same city can be received within 2 working days, and in different places, it can be received within 5 working days;
If it is widely distributed, the transfer within the system will arrive within 1-2 working days; Inter-bank transfer 1-2 working days;
Everbright, the system transfers money in real time within 1000, and the next day after 1W; Inter-bank transfer 1-2 working days;
Take Shanghai Pudong Development Bank as an example, the transfer in the system is received in real time; Transfer funds across the system within 24 hours (working days);
In the case of CITIC, all types of transfers will be received within 1-2 working days.
The above information is for reference only. To know exactly how long the credit card transfer will arrive, you need to feel it yourself in actual operation. If the overdraft limit of credit card transfer is used up, click immediately if you can't afford it.
Apply for a short-term low-threshold loan to help you solve all your worries. Remind everyone that although credit card transfer can quickly solve your capital needs, the handling fee and interest of transfer are very high. Remember to repay the money in time after the transfer, otherwise it will not be worth the loss.
How long does it take to transfer money by credit card?
Card friends can transfer money by credit card when they need cash. Credit card transfer and cash withdrawal are the same concept. On the day of transfer, the bank will charge a handling fee and interest. So, how long does it take to transfer the credit card to the bank card? Different banks have different arrival times.
Whether it is a credit card transfer or a savings card transfer, the time for funds to arrive in the account will be different due to different methods. If you transfer money through our bank, it will generally arrive in real time or on the same day; If it is cross-bank, no more than 5 working days at the latest; Through the third-party repayment platform, it is divided into the same day repayment and the next day repayment. Credit card to bank card, the specific arrival time of different banks is as follows:
China CITIC Bank: All kinds of transfers will be received within 1-2 working days.
Bank of communications: the bank receives the account in real time; Cross-system 24-hour working days to the account.
Bank of China: the bank's transfer will arrive in real time at 9: 00- 17: 00; Inter-bank transfer 1-3 working days.
China Construction Bank: the bank's transfer will arrive in real time at 9: 00- 16: 30; Inter-bank transfer 1-3 working days.
China guangfa bank: bank transfer 1-2 working days; Inter-bank transfer 1-2 working days.
China Everbright Bank: the bank will transfer money within 654.38+00000 in real time, and it will arrive the next day after 654.38+00000; Inter-bank transfer 1-2 working days.
Shanghai Pudong Development Bank: the bank transfers money in real time; Cross-system transfer will be received within 24 hours (working days).
Industrial and Commercial Bank of China: within 500,000 yuan of bank transfer, it will be received immediately, and more than 500,000 yuan will be received the next day; Interbank should be based on the time of China People's Bank.
China Merchants Bank: The transfer funds from the same city bank will arrive in real time, and it will arrive in 2 working days in different places; Inter-bank transfer will be received within 2 working days in the same city and 5 working days in different places.
How long does it take to get the credit card?
There are only two ways to use a credit card, one is to spend by credit card and the other is to transfer money. Under normal circumstances, the credit card arrives in two minutes. Credit card consumption also has a certain relationship with credit card pos machines. Generally, UnionPay credit card readers can only receive the account the next day, while third-party credit card readers are generally special users with a relatively large amount, and receive the account within 3 days. If it is a credit card transfer, if the transfer destination matches the provided account number, it will arrive within 24 hours. In case of non-conformity or special circumstances, the agent bank will return it within 24 hours.
First, the top ten "benefits" of credit cards
We pay by credit card. In fact, the bank pays the merchants first, that is, we spend it first and then pay it back, so our cash can be used flexibly. For example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there will be no money to repay on the repayment date, which will affect personal credit.
1. Less gratitude
When you are in urgent need of cash, you can overdraw your credit card if you are embarrassed to ask your relatives and friends. Although the interest rate is like five ten thousandths, you can weigh it yourself.
2. Relative safety
Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different. Even if it is stolen or lost, we can find the loss report at the first time. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card has a record, not to mention the bank will bear the loss 48 hours or even 72 hours before reporting the loss. In addition, if you spend in cash, you may get back the counterfeit money at one time.
Keep clean and hygienic.
With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.
be economical
Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.
promote
If there is a "VISA" or "MasterCard" logo on the credit card, you can spend it directly abroad, and the savings card or cash must be exchanged first; In addition, it is also convenient to book air tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; There is also the embarrassment of not changing.
6. Relieve economic pressure
If there is a certain economic pressure to pay a large amount of consumption at one time, you can use a credit card to pay in installments and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.
7. Accumulate personal credit records
More use of credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.
8. Apply for supplementary card
If you apply for supplementary cards for family members, especially children, you can basically grasp their financial status such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.
9. Easy financial management
After the billing date, we will receive a detailed consumption bill in the form of paper or email. From the bill, we can clearly understand our consumption and expenditure last month.
10. Additional benefits
Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.
Second, the seven "disadvantages" of credit cards
There is no disadvantage in the invention of credit card, but some users can't use it, which leads to the disadvantage of credit card, just like a knife. "Good guys" use it to cut wood, and "bad guys" use it to kill people.
1. Blind consumption
Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?
2. Excessive consumption
Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.
3. High interest rates
If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.
4. an annual fee is required
Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.
Step 5 steal brushes
Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also use passwords to apply for spending-it depends on how you manage credit cards.
6. Affect personal credit records
Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car with a loan from the bank in the future-but if you don't want it, you won't be able to manage money yourself.
7. repayment difficulties
Going to the bank every month is often overcrowded; In fact, there are only savings cards with online banking, and you can repay credit cards for free without leaving home through the Internet, such as "quick money" and "Tenpay".
Criminals use the acquaintances of social networks to let cardholders relax their vigilance. The front and back photos of the credit card are required to get the credit card, the expiration date and the last three digits on the back of the card, because these three information can be paid online.
Then, what information on the credit card can't be leaked, and how to avoid falling into the trap of criminals?
(1) Don't send key information such as credit card password, the last three digits on the back of the card (credit card security code CVV2), expiration date and dynamic code. It's easy in any social network.
(2) In case the credit card is stolen, you can go to the nearby ATM to inquire or withdraw cash, and keep the receipt to prove that neither the cardholder nor the credit card belongs to the stolen credit card place, but was stolen by others.
That's enough for the introduction of how long the credit card transfer will arrive.