The more credit cards there are, the more credit cards there are, because users do not choose to repay in full when repaying each installment. As long as they choose the minimum payment or installment payment, the amount of bills to be paid in the current period, the amount to be paid after the minimum payment last month or the amount to be paid after the installment, more and more credit cards will need to be repaid. However, unless the user stops using the card after repayment, as long as the card is still in use, it is normal to repay more. In addition to the above, if the credit card is overdue, the system will charge overdue interest, which will also lead to more and more credit cards.

Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.

Why does ICBC still have so much balance after credit card repayment?

This reason should come from accounting rules. Credit cards are also called "debit cards". Why a credit card? Because the credit card balance is recorded in the lender. So the lender has a balance, the credit card shows a positive number, and the borrower has a balance showing a negative number.

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.

main feature

1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers. It is a high-tech product integrating financial business and computer technology.

3. It can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. Can promote commodity sales and social needs.

Why are there more and more credit cards in Guangfa Bank?

This situation has the following possibilities and countermeasures:

1. It is very likely that you have not paid in full every month. If you don't pay in full every month, such as underpaying 100, the interest will be calculated according to the full amount of your bill this month.

2. You can call the customer service number on the back of the card and ask the customer service to send your bill to your mailbox and check it carefully.

3. The reason for the increasing number of credit cards may be that although credit cards have an interest-free period, once the interest-free period is adopted, the cost is very high, that is, 1 yuan, which may become 10 yuan when repayment is made. There is no interest-free overdraft and high handling fee interest, and the annual credit card fee is usually high.

Credit card repayment method of Guangfa Bank:

1) online bank repayment. Log in to online banking, credit card → Guangfa Bank for immediate repayment, and choose Guangfa Debit Card for repayment according to the prompt. Credit line is restored in real time. He will arrive before 10 on the afternoon of the refund day and after 10 the next night.

2) Mobile banking repayment. Log in to mobile banking, home/credit card → credit card repayment, and choose Guangfa Debit Card for repayment. Credit line is restored in real time. He will arrive before 10 on the afternoon of the refund day and after 10 the next night.

3) The bank automatically repays. You must have a financial savings card of Guangdong Development Bank to register for automatic transfer repayment service. Bind your wealth management card with the created Guangzhou card, and the arrears of the Guangzhou card will be automatically deducted from the wealth management account. Due date of monthly repayment. Please ensure that there is enough deposit deduction in the associated account before 6:00 pm on the repayment due date.

4) WeChat refund. Log in to mobile banking with the official account function of WeChat, click Sales _ Offer → More Services → Repay immediately, and follow the prompts. Credit line is restored in real time. He will arrive before 10 on the afternoon of the refund day and after 10 the next night.

Operating environment: Guangdong Development Bank mobile banking v6.6.0, IE8.0 browser WeChat 8.0.

Why are there more and more credit card bills?

Credit cards may have an interest-free period, with full interest, increasing the amount of credit card bills; It is likely to be controlled by the wind, questioned by the bank's risk control system whether it has sufficient repayment ability, and then reduced the quota or blocked the card; It is likely to fall into the dilemma of overdue credit cards, and more importantly, income and expenditure cannot be balanced, which affects normal life and work level.

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. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

What is the reason for the sudden increase in the balance on the credit card?

It is possible that someone else transferred his money to your card by mistake. You'd better call customer service, otherwise it will be bad for others to find you in the future.

Why is the rural credit card bill tens of dollars more?

Because there is a refund in the bill.

Because the amount already billed will not change even if there is a refund, this amount will be restored to the credit card limit, so when the user repays, the bill amount will be more than the actual amount, but the refunded amount does not need to be repaid.

So users can know what causes the inconsistency between the bill amount and the actual consumption amount as long as they check the bill once.

If you don't know, you can call the bank's customer service number and ask the bank to inquire about the source of the extra money. If the amount is large, the user can submit it to the bank for processing or call the police.

So much for the introduction of why the credit card balance is too high.