When will the credit card be paid?

Generally, the credit card consumption from the POS machine in UnionPay network will arrive at the merchant's account the next day, but sometimes it depends on whether the merchant's account bank is the account bank of the POS machine.

If it is a colleague, it will arrive at the account the next day. If it is another bank, it will be cleared by UnionPay, which usually takes 2-3 working days to enter the account.

as for consumers (credit card holders), it is usually the next day after spending by credit card, and the amount will be reduced in real time after spending by credit card, but the transaction details will not be displayed in the unpaid bill until the next day.

1. Paying for other people's consumption

The safest way to cash out credit cards is to help relatives and friends pay for their own credit cards when shopping, and then let them give themselves cash. This method does not require additional fees, and many people will take this method when cashing out.

second, individuals buy POS machines to cash out

At present, there are many personal POS machines on the market, and online hand-brushed POS machines are also sold. Personal hand-swiping POS machine is relatively simple. You only need ID card, name and merchant name, and you can open and register yourself, and bind a debit. Debit cards and credit cards can be collected through this mobile POS machine, and the handling fee is generally .6%-.7%.

3. Cash-out from POS machines of merchants

Cardholders cooperate with merchants or some "loan companies" and "intermediary companies", and the cardholders get cash-out by paying the merchants handling fees. Generally, the merchant's POS machine is used to make false transactions, and the amount on the credit card is crossed away. The merchant or "loan company" or "intermediary company" pays the cardholder on the spot, and the handling fee is generally 1%, and bargaining can also be made.

Fourth, remote cashing with QR code

As long as the credit card is bound to WeChat or Alipay, you can enter the cashing amount by scanning the QR code recommended by the merchant, bind the card and pay it, and the other party will then return the funds to the cardholder's other bank account. In fact, you can make your own collection QR code, and some apps, such as le brush, Swish, and Sweep Pay, can automatically generate your own collection QR code, and the rate is generally .35%-.5%.

Further reading: How does Alipay cash out a credit card

Your question is divided into two parts. First, how does the credit card cash out through Alipay? Second, how to stage after withdrawal.

1. To apply for more than two Alipay, one of them needs to be authenticated (that is, Alipay can be cashed out to the bank), and then it is recharged to Alipay through a credit card, and then it is paid to another Alipay account with Alipay, and then it is cashed out.

second, after the withdrawal, it is still impossible to make installments, so we can only use the above method before the final repayment date, and then withdraw the cash and return the credit card amount.

How long does it take to get the credit card?

There are only two situations when using the credit card, one is to spend money by swiping the card, and the other is to transfer money. Generally, the time for receiving the credit card is two minutes. Credit card spending also has a certain relationship with the pos machine that swipes the card. Generally, UnionPay credit card machines can only arrive on the next day, and third-party credit card machines are generally special users with a relatively large amount, and arrive 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. If it does not match or there are special circumstances, the agent bank will return it within 24 hours.

First, the top ten "benefits" of credit cards

We use credit cards to swipe our cards. In fact, the banks pay the merchants first, that is, they spend first and then repay them, and our own 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 is no money to pay back when the repayment date comes, which will affect personal credit.

1. Be less indebted to others

If you are in urgent need of cash to solve your urgent need, you will be embarrassed to ask your relatives and friends, and then you can overdraw your credit card. Although the interest rate is like five ten thousandths, you can decide which is more important than owing others' kindness.

2. Relatively safe

Try to swipe your card when spending, so you can take less cash with you-even if it is stolen or lost, the loss can be reduced. If the cash is lost, the possibility of getting it back is slim; But the credit card is different. Even if it is stolen or lost, we can report the loss as soon as we find it. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card is recorded, what's more, the bank will bear the losses 48 hours or even 72 hours before reporting the loss. In addition, if you spend cash, you may get back the counterfeit money once.

3. Cleanliness and hygiene < P > The bacteria on the coins can be imagined, 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.

4. Save money

Many bank credit cards have cooperation or promotion with merchants. For example, you can get a discount of returning cash when you swipe your card, or you can get a discount of 2% or 5% for watching a movie or eating western food. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

5. Convenience

If there is a "VISA" or "MasterCard" logo on the credit card, you can swipe your card directly abroad, and the savings card or cash must be exchanged first; In addition, it is also very convenient to book airline tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have a "pre-authorization" function in addition to direct swiping; There is also the embarrassment that there is no change.

6. Relieve the economic pressure

If there is a certain economic pressure to pay a large amount of consumption at one time, you can pay by installment with a credit card and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it is worthwhile compared with the intangible value generated by enjoying it for half a year or even one year in advance. Of course, spending in advance should be done according to one's ability.

7. Accumulate personal credit records

If you use more credit cards and repay them on time, you can improve the credit limit and credibility. At the same time, the personal credit information database of the People's Bank of China has 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 cards

If you apply for supplementary cards for your family, especially for your children, you will basically know their financial situation such as consumption expenditure, which is convenient for educating your children about financial management and consumption awareness.

9. Facilitating financial management

After the bill date, we will receive a detailed bill of consumption in the form of paper or e-mail. From the bill, we can clearly understand our consumption and expenditure in the last month.

1. Extra benefits

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of the bank or airport VIP lounge, and also get points for changing flights and gasoline.

Second, the seven disadvantages of credit card

There are no disadvantages in the invention of credit card, but some users can't use it, which leads to the disadvantages of credit card, just like a knife. Good people use it to chop wood, but bad people use it to kill people.

1. blind consumption

swiping a card is not like paying cash to spend money one by one. When you swipe it, you feel nothing. A few figures lead to blind consumption and spend money like water. However, what to buy and what not to buy, can you treat it irrationally?

2. Excessive consumption

Notebooks, digital cameras and smart phones are phased in. 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 rate

If you can't take care of your credit card, and you can't repay it as scheduled 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. You need to pay an annual fee

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can waive it as long as it swipes it three times a year; On the contrary, the savings card has received a small fund management fee since 26, and it will have to pay one or twenty yuan a year. If you apply for a credit card and you can't swipe it three or five times a year or you don't know it, then the bank should charge you an annual fee.

5. Stealing

Credit cards are basically swiped without passwords by default, which makes it easy for others to steal them when they are lost or stolen, causing unnecessary troubles or losses; But in fact, credit cards can also apply for spending by swiping their cards with passwords-it depends on how you manage your credit cards.

6. Impacting personal credit records

Long-term malicious arrears will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to borrow money from banks to buy a house and a car in the future-but if you don't ask for it, you won't manage your finances yourself.

7. The repayment is troublesome

I have to go to the bank every month, which is often crowded; In fact, only a savings card with online banking is available now, so you can repay your credit card free of charge without leaving home through the Internet, such as "quick money" and "Tenpay".

Criminals take advantage of acquaintances on social networks, which makes cardholders relax their vigilance. Asking for the front and back photos of the credit card is 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.

So, what other information on the credit card can't be leaked, and how to avoid falling into the trap of criminals?

(1) Don't easily send key information such as credit card password, last three digits on the back of the card (credit card security code CVV2), expiration date, dynamic code, etc. in any social network.

(2) In case of stolen credit card, you can go to a nearby ATM to inquire or withdraw cash, and keep the receipt well, so as to prove that neither the cardholder nor the credit card belongs to the stolen place, but someone else stole the credit card.

When will the credit card arrive

The credit card arrival will be different. Many banks arrive in real time after swiping the card. However, some banks can only receive the account after 1 to 3 days. You can call the bank's customer service hotline for consultation. Generally, you can wait patiently in peacetime. If you don't receive the account for a long time, it may be a credit card failure.

users must be temperate when using credit cards to spend money, and do not exceed their personal affordability. After all, every penny spent by using credit cards needs to be returned. If you can't return it on time, you will have a penalty interest and will affect your personal credit information, which needs the cardholder's attention.

when it is difficult to repay by credit card, users should use installment or minimum repayment amount, which can reduce the monthly repayment amount, but it requires users to pay a certain fee. Moreover, if you use the minimum repayment amount, you can't enjoy the interest-free period, and you will charge interest from the consumption date until you pay off all the arrears.

When applying for a credit card, individuals should not pursue a high quota. When they first own a credit card, the quota is generally equal to their income. In the process of using it, you must repay it on time. Generally, the monthly consumption limit should not exceed half of your personal income, so that you can ensure the repayment on time every month.

how long does it usually take to get the credit card?

Cardholders use the credit card after 11: p.m., and usually it will arrive within two days. There are different rules for different pos machines at specific time. At present, the consumption of pos machines arrives on T day, that is, on the same day, and on t1 day, that is, 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 places for consumption are closed at eleven o'clock. If users frequently swipe their cards at eleven o'clock in the evening, banks are likely to conduct risk control.

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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 NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be 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 will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, 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 cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line.

This concludes the introduction of when the credit card will arrive and when the credit card will arrive. Did you find the information you need?