1, 2-hour quick withdrawal: general bank accounts withdraw money within 2 hours.
2. Ordinary cash withdrawal: withdraw cash from the bank account before 24 o'clock the next day.
Note that the time will be different for different banks. China Industrial and Commercial Bank, China Construction Bank, Hangzhou Bank, etc. Support fast arrival all day.
Generally, the credit card will arrive at T+ 1, and T is a non-holiday working day from Monday to Friday, but the specific arrival time is affected by the settlement time of UnionPay. Usually, after 23:00, all transactions of UnionPay will be settled the next day, and it will arrive at the account within T+ 1 working day after successful settlement, that is, the account will arrive on the third day after swiping the card.
However, swiping the card in the middle of the night belongs to the transaction after 23: 00, and it is also necessary to check out the next day and go to the merchant account on the third day. However, there are also many card friends who swipe their cards in the middle of the night, and the funds arrive before 4 o'clock that day, which is actually paid by the payment company to the merchants with the fund pool.
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1, swiping your card in the middle of the night is risky.
It should be noted that it is not recommended to swipe your card at midnight whether you arrive on the third day or the same day. After all, the normal business hours of many businesses are from 8: 00 am to 9: 00 pm, and in the middle of the night, except for KTV, bars and other businesses, most businesses are closed, and swiping cards in the middle of the night is a business that is open during the day, which is risky.
Once the banking system detects an abnormal transaction, it will control the risk of credit cards, especially if the card is swiped frequently in the middle of the night, which will be considered by the bank to be suspected of cashing out, which will reduce the credit card limit and even seal the card and blacklist the cardholder. At that time, it may not be possible to handle other credit business of this bank.
2. Credit cards can be swiped at any time, but if you are raising a card, the best time to swipe your card at night is between 6 pm and 10, which is also the most concentrated time for consumption.
Credit card cashing time period and credit card matters:
① People's livelihood or capped merchants are strictly forbidden to swipe their cards in large quantities after 8 pm.
2 It is strictly forbidden to check the transaction balance repeatedly on the same machine before swiping the card. The bank will think that you must be cashing in, especially in large amounts. Therefore, it is also forbidden to repeatedly try to swipe the password if it is incorrect for more than 2 times. Especially at night, the suspicion of fake cards is particularly great.
③ If the rate is 1.25%, it will not be frozen as long as the balance is not rechecked or the password is repeatedly entered.
④ The rate of 0.78% at night will not be frozen as long as it is not too large, such as the extra 23,400.
Consequences of overdue
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.