What does the Industrial Bank credit card balance of 3854 and the repayment amount of this period 3453 mean?
It means that the current debt is 3854 yuan, and the full repayment amount of this month's bill is 3453 yuan. Other amounts are still within the interest-free period. You can repay it next month.
This is an Industrial Bank credit card, may I ask about the balance?
The balance displayed on the Industrial Credit Card is a positive number when there are no arrears and overdrafts; it is displayed when there is excess deposit in the card. The balance is a negative number
What does the credit card balance mean?
The credit card balance refers to the amount that has been incurred. When the book limit is a positive number, it means that the credit card owes money and needs to be repaid; when the book limit is a negative number, it means that there is an overpayment and no repayment is required.
For example, if you spend 1,000 yuan on a credit card, then the 1,000 yuan is the balance, which is displayed as 1,000, and needs to be repaid within the specified period. If you deposit 1,000 yuan, the balance will be displayed as -1,000 yuan, which means that the cardholder does not need to repay, and the available limit will be increased by 1,000 yuan on the basis of the original limit.
Credit card science: nouns related to credit card limits
1. Account balance: the amount of credit card that has been overdrawn. A negative balance means there is no money owed, and a positive balance means there is money owed.
2. Available balance: the amount that can still be used by the credit card. A negative balance means there is no money owed, and a positive balance means there is money owed.
3. Credit limit: the maximum limit that a credit card can overdraft. This limit is determined based on the application materials originally submitted by the applicant. If the applicant has good credit status and sufficient financial resources, then the limit will naturally be higher.
4. Revolving credit limit: If the cardholder uses a credit card to overdraft a certain amount and does not want to pay it all off within the interest-free period, he or she can repay the minimum repayment amount within the period specified by the bank. The cardholder can continue to use the remaining credit limit, which is the revolving credit limit.
Credit card balance refers to all repayments that have been recorded so far, excluding unrecorded installments, unrecorded handling fees, interest, etc. If there is a "-" sign in the balance, it means that your current balance has a balance; if there is no "-" sign in the balance, it means that your current balance is overdrawn.
Credit card available limit: The available limit refers to the credit limit of your credit card that has not been used. To put it bluntly, it is the limit that can be used for overdraft consumption. The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.
For example, if the displayed balance is 972 yuan and the available limit is 300 yuan, it means that you currently owe 972 yuan, the available limit is 300 yuan, and you can also have an overdraft of 300 yuan.
The difference between the two is that the balance is the amount of the current bill repayment, that is, the amount of money that needs to be repaid. The available limit is your credit limit minus the consumption limit, which is the amount that can be used.
How to calculate the credit card repayment date?
1. Credit card purchases generally made on or before the bill date are included in the current bill and should be repaid after the current bill date. If you repay before the repayment date, you will enjoy the shortest interest-free period
2. Any consumption made one day after the bill date will be included in the next bill and should be repaid before the repayment date after the next bill date. Enjoy the longest interest-free period;
3. The interest-free repayment period for credit cards is 50 days, which is the same for every domestic bank.
4. The calculation method of time depends on the billing date and consumption date, which is not fixed.
Develop good records:
(1) When using a credit card, you need to know the repayment date and billing date of the credit card. It is recommended that customers pay the bill on time on the repayment date after using a credit card to overdraft. repayment amount.
(2) Repay overdrafts promptly to avoid forming a bad credit record. In the long run, good credit card transactions and repayment behavior will help build a good personal credit record.
(3) For ordinary customers, holding 2-3 credit cards can basically meet their needs.
For credit cards that have not been used for a long time, the account should be canceled in time to reduce the risk of card loss and avoid bad records caused by failure to pay annual fees in time.
(4) Never lend your credit card to others. Credit is priceless. Do not base your personal credit on trust in others.
What does the balance of the Industrial Bank credit card account mean?
For the Industrial Bank credit card, the balance refers to the amount you owe, and the available limit is the amount you can use the card to spend.
How to check the balance of Industrial Bank card?
The method to check the balance of Industrial Bank card is as follows:
1. First open the Industrial Bank website, click on personal online banking in the upper left corner, select the first login function, and press to enter.
2. Enter your bank, ID number, account password and other information when prompted, and confirm.
3. After entering, enter your card’s online login password.
4. After entering, click Login, and you will be prompted to modify the login method or go directly to the login page and choose the latter.
5. Finally, re-enter your password on the login page. After entering, you can see the balance, so the problem is solved.
The meaning of local currency book balance and available cash advance limit of Industrial Credit Card Online Banking
The main function of credit card is overdraft consumption. This is the concept of bank card limit. You have 5,000 yuan If you have a limited amount, you can spend 5,000 yuan without paying cash, just swipe the card and sign. However, sometimes you may need a small amount of cash to pay for the inconvenience of swiping the card. Therefore, credit cards generally allow you to withdraw a part of cash, which is usually about the upper limit. A year's worth of average monthly consumption is worth a tenth. According to this situation, your card can withdraw 200 yuan in cash. Withdrawing cash from a credit card is not a necessary function, it is just a temporary measure. Therefore, the handling fee is high, and the interest rate is calculated on a daily basis, which is higher than that of a bank loan.
As for your current book balance, you can still spend more than 1,300 yuan this month.
That’s it for the introduction to the book balance of Industrial Credit Card.