How long does it take to get the credit card

There are only two situations when using a credit card, one is spending money by swiping the card, and the other is transferring money. Generally, the time for receiving the credit card is two minutes. Credit card consumption also has a certain relationship with the pos machine that swipes the card. Generally, UnionPay credit card machines can only arrive on the next day, and third-party credit card machines are generally special users with a relatively large amount, and arrive within 3 days. If it is a credit card transfer, if the transfer destination matches the provided account number, it will arrive within 24 hours. If it does not match or there are special circumstances, the agent bank will return it within 24 hours.

First, the top ten "benefits" of credit cards

We use credit cards to swipe our cards. In fact, the banks pay the merchants first, that is, they spend first and then repay them, and our own cash can be used flexibly, for example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there is no money to pay back when the repayment date comes, which will affect personal credit.

1. Be less indebted to others

If you are in urgent need of cash to solve your urgent need, you will be embarrassed to ask your relatives and friends, and then you can overdraw your credit card. Although the interest rate is like five ten thousandths, you can decide which is more important than owing others' kindness.

2. Relatively safe

Try to swipe your card when spending, so you can take less cash with you-even if it is stolen or lost, the loss can be reduced. If the cash is lost, the possibility of getting it back is slim; But the credit card is different. Even if it is stolen or lost, we can report the loss as soon as we find it. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card is recorded, what's more, the bank will bear the losses 48 hours or even 72 hours before reporting the loss. In addition, if you spend cash, you may get back the counterfeit money once.

3. Cleanliness and hygiene < P > The bacteria on the coins can be imagined, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.

4. Save money

Many bank credit cards have cooperation or promotion with merchants. For example, you can get a discount of returning cash when you swipe your card, or you can get a discount of 2% or 5% for watching a movie or eating western food. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

5. Convenience

If there is a "VISA" or "MasterCard" logo on the credit card, you can swipe your card directly abroad, and the savings card or cash must be exchanged first; In addition, it is also very convenient to book airline tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have a "pre-authorization" function in addition to direct swiping; There is also the embarrassment that there is no change.

6. Relieve the economic pressure

If there is a certain economic pressure to pay a large amount of consumption at one time, you can pay by installment with a credit card and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it is worthwhile compared with the intangible value generated by enjoying it for half a year or even one year in advance. Of course, spending in advance should be done according to one's ability.

7. Accumulate personal credit records

If you use more credit cards and repay them on time, you can improve the credit limit and credibility. At the same time, the personal credit information database of the People's Bank of China will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.

8. Apply for supplementary cards

If you apply for supplementary cards for your family, especially for your children, you will basically know their financial situation such as consumption expenditure, which is convenient for educating your children about financial management and consumption awareness.

9. Facilitating financial management

After the bill date, we will receive a detailed bill of consumption in the form of paper or e-mail. From the bill, we can clearly understand our consumption and expenditure in the last month.

1. Extra benefits

Some credit cards also provide free accident insurance, medical insurance, trailer and car washing, enjoy the service of the bank or airport VIP lounge, and also get points for changing flights and gasoline.

Second, the seven disadvantages of credit card

There are no disadvantages in the invention of credit card, but some users can't use it, which leads to the disadvantages of credit card, just like a knife. Good people use it to chop wood, but bad people use it to kill people.

1. blind consumption

swiping a card is not like paying cash to spend money one by one. When you swipe it, you feel nothing. A few figures lead to blind consumption and spend money like water. However, what to buy and what not to buy, can you treat it irrationally?

2. Excessive consumption

Notebooks, digital cameras and smart phones are phased in. While enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.

3. High interest rate

If you can't take care of your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.

4. You need to pay an annual fee

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can waive it as long as it swipes it three times a year; On the contrary, the savings card has received a small fund management fee since 26, and it will have to pay one or twenty yuan a year. If you apply for a credit card and you can't swipe it three or five times a year or you don't know it, then the bank should charge you an annual fee.

5. Stealing

Credit cards are basically swiped without passwords by default, which makes it easy for others to steal them when they are lost or stolen, causing unnecessary troubles or losses; But in fact, credit cards can also apply for spending by swiping their cards with passwords-it depends on how you manage your credit cards.

6. Impacting personal credit records

Long-term malicious arrears will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to borrow money from banks to buy a house and a car in the future-but if you don't ask for it, you won't manage your finances yourself.

7. The repayment is troublesome

I have to go to the bank every month, which is often crowded; In fact, only a savings card with online banking is available now, so you can repay your credit card free of charge without leaving home through the Internet, such as "quick money" and "Tenpay".

Criminals take advantage of acquaintances on social networks, which makes cardholders relax their vigilance. Asking for the front and back photos of the credit card is to get the credit card, the expiration date and the last three digits on the back of the card, because these three information can be paid online.

So, what other information on the credit card can't be leaked, and how to avoid falling into the trap of criminals?

(1) Don't easily send key information such as credit card password, last three digits on the back of the card (credit card security code CVV2), expiration date, dynamic code, etc. in any social network.

(2) In case of stolen credit card, you can go to a nearby ATM to inquire or withdraw cash, and keep the receipt well, so as to prove that neither the cardholder nor the credit card belongs to the stolen place, but someone else stole the credit card.

how long does it take to account for credit card repayment

when to account for credit card repayment depends on the efficiency of the issuing bank and the repayment channel.

Like Bank of Communications, automatic repayment is generally recorded on the day of deduction; ATM machine transfer repayment and debit card online banking transfer repayment generally arrive within 2 working days after repayment; Repayment from other banks will arrive within 2 to 5 working days after the other bank transfers the money; Third-party repayment (Alipay, Tenpay, etc.) will arrive on the second day after the latest repayment. In the case of China Merchants Bank, it usually takes 2 days to record the repayment (subject to the actual arrival time).

it is suggested that customers should pay back the money a few days before the repayment date, so as to avoid that the repayment time is too late on the repayment date, resulting in failure to record the money in time and overdue.

if you sign an automatic repayment agreement with the bank, you only need to ensure that the repayment bank card has sufficient funds and the account status is normal. On the repayment date, the bank system will automatically deduct the money, and generally it will be credited in real time. If the repayment cannot be made on time due to problems in the banking system, the customer can also contact the bank to lodge a complaint.

1. What should I do if my credit card fails to pay the minimum repayment amount?

1. Use the delay service provided by the bank.

If it's only occasionally overdue, and the funds can only be repaid in one or two days, then we should make full use of the bank's deferred repayment service. Every bank has one to three days' deferred repayment service, which is very important for us!

2. Ask friends or family members to provide it.

Find a friend or family member to turn around, borrow some money to pay back in full first, and then pay back the money and favor of friends when you are well off. Of course, this method can only be used occasionally.

3. effectively change the billing date.

If it is predicted in advance that a credit card may not be able to repay the money by then, you can apply to the bank to change the bill date before the bill comes out, so as to extend the repayment period. For example, if the bill date is on the 1th, and I find that I may not be able to repay the money for some reason before the 5th, I can call the credit card immediately and apply to change the bill date to 2/3/4, so that no bill will be issued this month.

After the application for changing the bill is successful, Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank.

4. installment or minimum repayment.

if you really don't pay the credit card, or if you really don't pay the credit card in a short time, you can consider credit card installment or repayment of the minimum repayment amount. These two methods need to pay a certain amount of interest to the bank, so they are not encouraged, but they can avoid the credit stain caused by overdue payment.

second, the consequences of not paying the credit card

1. Interest

As we all know, the interest rate of banks is very high, and we will know how high it is. You have to pay two fees before the credit card is paid, one is the late payment fee and the other is the penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is 5/1 per day, and the interest is rolling.

2. Blacklist

If there are many overdue times or the repayment is seriously refused, you will be blacklisted, and there is no hope of buying a car or a house loan in the future. Once blacklisted, it will affect the credit record, so your future car, hotel and other aspects will have an impact.

3. Legal liability

Once you are in the bank, you will be investigated by law, so if you overdraw and don't repay, even if you "run away" or "disappear", it won't help. If the credit card is maliciously overdrawn for more than 9 days, the bank can proceed. And many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", who will go directly to the cardholder's residence or even his hometown to collect debts.

if the minimum repayment amount of the credit card is not up, you must find a way to turn over your credit card, and you can delay or pay it in installments. However, it is best not to cause your credit stain because you haven't paid the credit card yet. If there is a personal credit problem, it will cause serious trouble to the personal information, and it should be handled in strict accordance with the regulations.

who knows how long the credit card will be credited?

The credit card entry time varies according to the specific business situation:

1. The credit card transaction entry time is normally included in the credit card bill on the second day of the credit card transaction day;

2. At present, there is no definite time for credit card repayment, and the specific time is related to the speed and repayment method of each bank's internal system.

credit card transfer repayment, automatic repayment of credit card amount will be resumed in real time, the credit card amount will be resumed in the early morning of the next day, and credit card payment will be resumed for 2 days after the advance cash amount is received.

1. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

2. Since the credit card application is sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from the loss of stolen credit cards, a card opening program was set up before it was officially opened. Check the relevant personal information provided at the time of application by telephone or online.

3. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting credit cards, credit card merchants or banks should review the validity of credit cards and the identity of cardholders.

when using a credit card, we will definitely encounter repayment. At this time, it involves a question of the source and destination of funds. Many people like to use credit cards to pay. Then, after the credit card is bound to WeChat or Alipay, can you clearly know your every consumption? These are very necessary for banks, and these are all inspections as a person's qualifications.

If the payee of your funds is often unknown, then the bank can also know that, to put it bluntly, it means cashing out. For example, if you spend 5 yuan in a supermarket at once, then the bank may think it is a large amount of consumption. However, you are clever, and the next time you cash out, you go to other supermarkets and get 5 yuan. Even if the payee is different, people all know that it is difficult for the supermarket to spend more than 5 yuan. If you do this for a long time, you will naturally leave a bad message.

Although this kind of "bad information" will not be directly reflected on WeChat, it will be an obstacle the next time you apply for a loan. In addition, to some extent, credit cards can accurately record your monthly consumption and income problems. If you have a credit card, you will definitely have a savings card. Because you need a savings card to pay back the money, this savings card will record the source of your funds, and the credit card will record the whereabouts of your funds.

as for how much and how you spend each month, it doesn't really matter, as long as you don't cash out after the deadline, there will be no problems. The better your running water is, the higher your quota may be, and the chances of loan success will naturally be much higher. Therefore, the role of credit cards is not just as simple as consumption. What the bank needs is a long-term customer. If the annual fee and interest are abandoned, more and more people will use the bank for a long time, and the business volume of the bank will also increase. The annual fee is only about 1 yuan. For a person to use it for a long time, this 1 yuan is completely free of charge

credit card entry time

The credit card entry time varies according to the specific business situation:

1. The credit card transaction entry time is normally included in the credit card bill on the second day of the credit card trading day;

2. At present, there is no definite time for credit card repayment, and the specific time is related to the speed and repayment method of the internal systems of various banks. For example, ICBC and China Merchants Bank account for the same day, and the traffic accounts for the next day, and the normal accounting time of each bank varies from 1 to 2 days.

Credit card posting means that the credit card is still being repaid and the repaid funds have not yet arrived. At this time, checking the repayment status will show that it is being posted. After the repayment funds arrive, the amount will be restored and the repayment status will change. If the repayment status is shown as posted