Everbright Credit Card is not overdue. Why is there a service charge? What happened?

There are several possibilities for automatic credit card debit:

1. After overdraft consumption, the repayment date will be automatically deducted from the balance;

2. The credit card used needs an annual fee, which will be automatically deducted from the balance after it expires;

3. Some banking services have been opened, and the payment will automatically expire and will be deducted from the balance; For example: SMS reminder service.

If it is automatic deduction, you need to check the statement: if the landlord needs to check the details of the last 12 months, he needs to log in to his online bank to check it. The specific steps are online banking-credit card-credit card inquiry-invoiced inquiry.

How much is the service charge for Alipay credit card collection?

The credit card collection service fee refers to the service fee of 1% of the transaction amount when the customer provides Alipay channel to use the credit card to pay quickly and the consumer does not open the credit card payment function.

However, in some scenarios, each credit card enjoys the limit of 500 yuan/transaction/day/month, and there is no need to pay the service fee for the consumption within the limit. Of course, if the experience limit is insufficient or used up, you still need to pay the service fee according to the transaction amount of 1% (as shown on the page). However, there is no buyer's fee for shopping in a merchant that has opened the credit card payment function.

Bai Hua's full name is Ant Bai Hua, which is a consumer credit product launched by Ant Financial. When the application opens, it will

Get a spending quota ranging from 500 to 50,000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying". Flower bud staging is a service provided by ant flower bud to consume first and repay in installments the next month. There are abundant commodities to support interest-free installment.

Huayuan said that under the premise of user authorization, relevant information of Huayuan will be gradually incorporated into the credit information system. Maintaining good habits will not affect your credit history. According to the Power of Attorney, on the basis of obtaining the user's authorization, according to the source of the specific credit line obtained by the user, Chongqing Ant Consumer Finance Co., Ltd. or the bank providing the credit line will submit the user's credit information as the main body and incorporate it into the credit information system. It has been confirmed that if the user has any objection to the credit authorization, he can close the flower bud and terminate the authorization.

According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.

The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase. Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

What is the value-added service charge for credit cards?

The value-added service fee of credit card generally means that users can obtain related rights or value-added services through points exchange or payment. If each main cardholder (no matter how many main cards he holds) can only customize one value-added service, then if a main cardholder subscribes to multiple value-added services of the same paragraph, the protection he enjoys is only one value-added service.

The basic functions of credit cards are overdraft, credit card swiping, etc. In addition to these basic functions, there are also value-added services, such as redemption of points for prizes, free SMS notification, irregular lottery and so on.

If you want to unsubscribe from value-added services, you can unsubscribe from major banks in official website; Or go to the credit card customer service hotline of major banks and enter the manual service to unsubscribe.

What does Changsha credit card repayment service charge mean?

The full name of credit card service fee is value-added service fee. In other words, cardholders need to charge more service fees when opening other services of credit cards. For example, credit card guarantee service, bill SMS reminder service, worry-free service with card and so on. After these services are opened, banks will charge the fees required for these services, that is, value-added service fees.

If you don't want this service fee, you don't need to open these value-added services that require extra fees. You can also open the required services according to your own needs. If you need to cancel after opening, you can go to the bank or call the customer service hotline to find out.

Take WeChat and Alipay as examples. The service fee for credit card repayment is:

1. wechat: wechat credit card charges 0.65438+ 0% service fee for each repayment. The amount of service charge shall be calculated to two decimal places, with a minimum of 0. 1 yuan. At the same time, the service fee is paid together with the repayment amount.

2. Alipay: Individual users can enjoy a basic free repayment amount of 2,000 yuan per month. After the free amount is exceeded, the service charge will be 0. 1% for the excess, and 0. 1 yuan for the single service charge less than 0. 1 yuan. At the same time, after using the basic free quota, users can use Alipay membership points to exchange more free quotas.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve funds according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but interest will be charged from the date of overdraft, and interest-free period will not be enjoyed (reserve is not required for quasi-credit card).

What does Taobao mean by the credit card service fee?

It means that the buyer has to pay a handling fee.

Pay by credit card, there are two situations about the handling fee:

1. If the seller opens the "credit card payment" service, the seller needs to pay the relevant formalities fees, which will be automatically deducted from the money received by the seller after the transaction is successful, and the buyer is not required to bear the expenses.

2. If the seller does not open the "credit card payment" service, the buyer needs to pay the relevant procedures, and the handling fee will be directly increased in the transaction price of the order.

Extended data:

There will be a handling fee for shopping with a credit card on Taobao. Taobao said that "1% of the handling fee is the handling fee ratio of commercial consumption stipulated by UnionPay. Everyone holds a card to spend in general shopping malls, and the mall operators have to deduct the handling fee for this calculation, and there is no cap amount. "

According to a banker in Shencheng, "The relevant departments clearly require that the credit card processing fee should be paid by the merchants and not collected by the customers. For the case that the online merchants pass on the handling fee of 1% to consumers, there is no better solution except that consumers do not use the corresponding services. "

There is an annual fee for credit cards, but all banks implement the policy of free annual fee for swiping cards for a certain number of times. Most banks have not included online payment in the amount of credit card consumption. Consumers need to swipe their cards at physical merchants, and the number of swipes reaches the free limit in order to reduce the corresponding annual fee.

In addition, credit card online shopping also has some different rules on points. For example, you can get credit card points through Alipay Express Payment. However, if the buyer does not bind Alipay Express Payment, the payment page will jump to the online banking of the issuing bank for online payment, and there is usually no credit card points after payment in this way.