Where can I get a credit card payment certificate? Pay attention to these matters

We know that when applying for a mortgage, the borrower's credit standing and repayment ability are very important. Many borrowers have large credit card debts that have not been paid off, and may be asked to Pay off the credit card, issue a certificate, and then apply for a mortgage. Many people don’t know where to issue this repayment certificate, so let’s find out together.

Where can I get a credit card payment certificate?

The credit card repayment settlement certificate must be issued by the bank, but it is not issued by the local bank branch. It is usually issued by the credit card center. However, we can submit the application at the branch, and then the branch will report it to the head office. , it is issued by the head office and mailed to the billing address, which is more troublesome and time-consuming.

Fortunately, many banks can provide methods for issuing certificates through official website channels. The simplest method is to directly call the card bank’s credit card service hotline and transfer the manual customer service to help with the process. The customer service will provide an email address. The issued settlement certificate is emailed to the cardholder.

If it is China Guangfa Bank, it is easier to apply. Cardholders can directly go to online banking to apply. The path is: log in to "Online Banking → Credit Card → Card Management → Special Needs for Credit Cards → Issuance of Certificate". The bank will accept it. The certificate will then be mailed by registered mail.

It should be reminded here that a credit card settlement certificate can only be issued when all outstanding debts have been paid off. The important thing is that it is not necessarily free. Many banks will charge a fee of 20 It is about RMB/share, which will be deducted directly from the credit card limit and included in the minimum repayment amount of the first period's bill. Don't forget to repay on time, otherwise it will be very troublesome if it is overdue.

How to issue a credit card settlement certificate

Users who want to issue a credit card settlement certificate can call the bank’s customer service hotline and ask bank staff to help issue it, or they can go directly to an offline outlet Handle under the guidance of staff. However, it should be noted that printing a settlement certificate must meet certain conditions: the user has good credit, has not committed multiple malicious overdue behaviors, and the debt has indeed been settled.

Customers can print by themselves through personal mobile banking.

Take China Construction Bank as an example:

1. Take Huawei mobile phone p10plus as an example, AndroidTM7.0 operating system.

2. Click card service-account settlement certificate.

3. Then click on the certification application.

4. Select the corresponding credit card and fill in your email address to apply. After success, the query results will be sent to the customer's email address within 24 hours. The customer can check the decompression password in the "Application Record Query" and with Password Go to your email to view the attachment and print it. If you do not find the relevant menu of "Account Settlement Certificate" in mobile banking, you can log in to the mobile "App Store" to update CCB Mobile Banking to the latest version.

In fact, it is necessary to issue a settlement certificate after the loan is paid off, because it is a proof that you have paid off all the debt, so you can open it as much as possible

We may use credit cards frequently, so ours. There are many credit cards, but no matter how we use credit cards, some people are better at using bank cards and have relatively good records, but some people use credit cards more casually, and sometimes some problems will occur. Overdue phenomenon, so in order to make your credit better, you should use credit cards reasonably. When you use a credit card, you should remember to repay it. If we are afraid of forgetting the repayment date, we can also record the repayment date. In the notebook, by checking the notebook or the calendar, you can clearly know your repayment date, as well as your repayment amount and interest.

When we do this, After paying off the credit card in time, we can go to the bank to print the settlement certificate of our bank card. Under normal circumstances, we do not need this certificate, but sometimes, in some places, It will be used.

How to issue a credit card balance certificate?

The method of issuing a credit card debt settlement certificate is as follows:

1. You can bring it yourself. Go to the bank with your ID card and bank card to accept the payment, and explain to the bank the purpose of issuing a settlement certificate, and the bank will issue a certificate for you;

2. Bring your credit card and personal ID card to the bank counter for processing.

If you use this method, you can go to any branch of the card-issuing bank to handle it. The settlement certificate issued will have the official seal of the branch of the card-issuing bank, which is a formal text certification format;

3. Find the card-issuing bank and issue a certificate of no debt, but the certificate should indicate the debt period. number, repayment time, etc., the purpose is to show that it is not a malicious overdraft;

4. If you have applied for many credit cards, then bring your personal ID card directly to the local People’s Bank of China Credit Information Center or other It will be more straightforward to check and print your own credit report on the official website. The credit report is a more comprehensive list of various conditions of credit card use, which is more convincing.

After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million. In 2016, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 10.75%, and the proportion of credit card consumption in the total retail sales of consumer goods continues to increase.

According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to curb the rapid rise in asset prices and control inflation, the Chinese government has implemented a sound monetary policy. And adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity level, credit lending rhythm and structure of Chinese commercial banks. All had a profound impact. The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.

In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve;

According to a report released by the People’s Payment and Settlement Department of the People’s Republic of China, as of the third quarter of 2021, credit card and lending contracts will There were 798 million cards, a month-on-month increase of 0.97%, and the per capita number of credit cards and debit cards combined was 0.57.

How to issue a credit card settlement voucher?

Call the bank customer service hotline for consultation. Generally, it can be issued.

How to get a credit card settlement certificate?

When applying for a relatively large loan, such as a home loan or a car loan, the bank will require the applicant to produce a credit card settlement certificate. So how to obtain a credit card settlement certificate?

1. Call the customer service number of the card-issuing bank and explain to the customer service the purpose of the credit card debt settlement certificate. After the customer service inquires about your situation, if you meet the issuance conditions, a settlement certificate will be issued and then used Express delivery to your designated delivery address.

2. Bring your ID card and credit card to the counter of the card-issuing bank branch for processing.

To issue a settlement certificate, you need to pay off all credit card debts, and your personal credit must be good, without multiple malicious overdue behaviors. If the cardholder has multiple malicious overdue behaviors, the bank will refuse to issue relevant settlement certificates.

What I’m referring to is that the new version of the credit report has added a new monthly repayment amount. Banks can directly see the cardholder’s monthly consumption and repayment status from the credit report. Therefore, when applying for a loan, you do not need to provide a settlement certificate. You only need to print out the credit report and give it to the bank.

This concludes the introduction on how to issue a credit card settlement certificate and how to issue a credit card settlement certificate. Have you found the information you need?