How to check credit card transaction history

You can check through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, customer service hotline, outlets and other channels With your account balance, bills and other related information, you can keep abreast of the current month's account arrears to avoid delays in repayment. If you need to inquire about bills or transaction details from a year ago, it is recommended that you call the customer service hotline 4006695566 and select the No. 0 button to transfer to manual service inquiry.

The above content is for your reference, please refer to actual business regulations.

How long do you need to provide your statement to apply for a credit card?

To apply for a credit card, you need to provide your statement for the three months before applying for the credit card.

Bank statements need to be stable and continuous. If you can provide bank statements for the past three months, it means that the applicant's job and income are relatively stable, and he has a certain ability to repay. In this way, you can apply for a credit card and pass The chances of credit card approval are very high. If bank statements cannot be provided, users need to provide other proof of financial resources.

In addition, the user's bank flow will also affect the bank's card approval limit. The stronger the repayment ability, the higher the credit limit granted by the bank.

How to print credit card statements

The method of printing credit card statements is as follows:

1. Go to the bank to print

Credit card statements can be printed directly Log in to credit card online banking, taking China Merchants Bank as an example.

Select the bill details to be checked in "Account Management" - "Issued Bill Inquiry". In the bill details, you can choose "Print" or "Download" "Bill; "Account Management" - "Inquiry on Unissued Bills" can also "Print" or "Download" the details of unissued bills.

2. Printing at branch banks

Cardholders can go to the counter of the bank branch to apply for printing of credit card statements. It should be noted that the bank's official seal is required after the credit card statements are printed. Effective, otherwise it can only be viewed and has no effect.

3. Printing from self-service equipment at branch banks

Nowadays, most banks have set up self-service equipment in order to improve work efficiency and facilitate customers. Customers can handle related businesses through self-service equipment. Self-service equipment You can directly check the bank card transaction details in the account, or print them out.

Operating environment:

Brand model: iPhone13

System version: iOS15.4

App version: v10.1.0

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay.

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Most banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .

How to check credit card details?

1. To check the credit card details, you can log in to the online banking of the bank to which the credit card belongs (for example: Bank of China Mobile Banking version 7.1.7), then click on the credit card user login, find the credit card statement column, select the month and year to print , and then you can print your daily bill.

2. You can go directly to the bank business hall, show your personal ID card and credit card, and ask the bank to print it. Some banks may charge fees.

3. You can call the bank’s customer service number to check your credit card information.

A credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. A credit card is in the form of a card with the name, expiry date, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to specialized commercial service departments to shop or consume, and then the bank settles with the merchants and cardholders, and the cardholders can overdraw within the specified amount.

Credit card is a non-cash transaction payment method and 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 1 mm. They are issued by banks or credit card companies to cardholders based on the user's credit and financial resources. Cardholders do not need to pay cash when using their credit cards and will repay the balance on the settlement date. Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and cash cards. Credit cards are not debited directly from user accounts.

In February 2012, banks confirmed that credit cards are more secure without passwords. If it is stolen, you should bear the same responsibility as the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and you do not need to pay any fees to repay the bill amount before the due payment date. There is no interest-free repayment period for cash withdrawals. An interest of 0.05 will be charged every day from the date of withdrawal, and the bank will also charge a certain percentage of withdrawal fees.

China’s credit card market remains 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 consumption growth, the average annual growth rate of credit card issuance in my country will remain at around 14 in the next 10 years, and profitability will remain stable. It also tends to improve. Qianzhan.com predicts that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

Do you need bank statements to apply for a credit card? Can I place a card if I have turnover?

Applying for a credit card often requires a stable job and income, but many people who do not have these conditions want to know if they can provide bank statements to apply for a card. Although it is not necessary to provide bank statements when applying for a credit card, bank statements can prove the repayment ability and improve the approval rate of card application. Let’s apply for the relationship between credit card and bank statement today.

Do you need bank statements to apply for a credit card?

In the application for credit card, bank statement can be used as the material provided when applying for the card. It can indirectly prove the applicant's repayment ability. For the bank, it is more of a guarantee and can Reduce risks, but applying for a credit card does not require bank transactions.

For example, when applying for a credit card online, you only need to fill out the application form online, and you will not be asked to provide bank statements. Only at the counter branch, you can provide bank statements to prove your repayment ability. But please note that not all bank statements are helpful for applying for a card. What you provide must be valid bank statements.

What bank statements are effective statements?

There are many forms of slips, the most common of which is a copy of a current passbook; there are also slips on some teller machines.

It is recommended that you take your debit card to the counter and ask the bank to print the statement and stamp it with the official seal. This type of bank statement is more valid than the income certificate issued by the company and stamped with the official seal!

Is it possible to apply for a card if I have bank statement?

It should be noted that providing bank statements does not guarantee that you can apply for the card. In addition to bank statements, it is best to have asset certificates, such as real estate certificates, vehicle certificates, deposit certificates, etc.; in short, When you apply for a card, you must provide as much financial proof as possible, and the chances of getting the card will be high.

The above is the relevant introduction to "Do you need bank statements to apply for a credit card? Can you apply for a card if you have bank statements?" In short, effective bank statements can prove the applicant's repayment ability, which is very important for credit card applications. It will be helpful to some extent, but it does not necessarily mean that you can apply for a card by providing bank statements. After all, banks have to examine the applicant's qualifications from many aspects, and bank statements are only one of them.

That’s it for the introduction of credit cards and bank transfers.