I. Inquiries about bank outlets
You can bring your credit card and ID card directly to the counter of the bank outlet and ask the staff to apply for checking the credit card refund record, so that you can see the money returned to your credit card.
Second, online banking, mobile banking/credit card APP inquiry
You can also choose to log in to online banking, or mobile banking, credit card APP, and then check the credit card bill to find the relevant refund records.
It should be noted that if the money is returned to your credit card before the bill date, the refund can be deducted from the bill of the month; However, if the money is returned to your credit card after the bill date, then the refund can not be used to deduct the repayment of the current month, but can only be included in the bill of next month.
Puka:
Puka is the lowest credit card issued by the card issuer, and you can apply with your identity certificate and work certificate. People who apply for a credit card for the first time or who are not financially strong can try to apply for a universal card first. There is basically no annual fee for this kind of card, or they can avoid the annual fee if they swipe it enough times, and the amount is generally below 1 10,000 yuan.
Gold card:
To apply for a gold card, in addition to meeting the basic requirements for applying for a credit card, you also need to provide certain proof of assets. The examination and approval of the gold card is relatively stricter than that of the ordinary card, and the benefits and benefits enjoyed by the gold card will be better than that of the ordinary card, and the amount is generally 10000~50000. At the same time, the annual fee is higher than that of Puka, but there is also a chance to waive the annual fee.
Platinum card:
Platinum card is a kind of credit card mainly serving high-end users. Strict examination and approval, requiring individuals to earn at least 20w a year. Sometimes you need to deposit enough assets in the issuing bank to handle it.
The special services of the card focus on golf, airport VIP, free physical examination, mileage exchange and emergency support services. Because of the high-end service, the annual fee ranges from several thousand to several hundred. In addition, the bank also issued a lot of small platinum, also known as "pseudo platinum". For example, I Platinum of CITIC, Shang Zhen Platinum of Guangfa, etc. Platinum cards are basically free of annual fees in the first year, and they need to be swiped or exchanged in the second year. Please consult the customer service for details.
Diamond card:
Diamond card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. It is higher than the platinum card, and it requires higher identity of the cardholder. Most of them can be handled by successful people. Therefore, the amount of the diamond card is higher, which can better show the noble status of the cardholder. The cardholder is required to earn more than one million yuan, and the amount is also one million yuan.
Black card:
Black cards are unlimited cards, and there is no so-called "credit line". Because almost all unlimited cards issued by banking institutions are black, they are generally called' black cards' or' black gold cards'. Some people say that only with this kind of black card can the "distinguished identity" of the card owner be fully displayed.
Not everyone can have this card, and the application is not accepted. Only at the initiative of the bank will the card be issued. At present, only two banks in China have black cards, China Merchants Bank and ICBC. It is reported that the black card owners of Express are very few 1% top customers. The high annual fee (about 6,543,800 yuan) has become an unimportant factor.
Titanium card:
The grade of titanium card is actually decided by the bank itself. Like the titanium card of China Everbright Bank, the level is between the gold card and the platinum card. Some banks will be called small platinum, and some banks will be called titanium cards. In fact, it's all the same, just different names!
Titanium card can be a dual-currency card or a UnionPay card, depending on how the bank wants to define it. As for the amount of titanium card, naturally the bank has the final say.
The above is the level of credit card science, and the success rate of applying for a card is determined according to your income and property. It is suggested that friends who have just started to contact credit cards should start with ordinary cards or gold cards. Although there are some cases where platinum cards are issued at the first card, they are rare.
Credit card purchase refund record
Does the subject want to ask "where can I find the refund record of credit card shopping?"
1. Log in to the mobile banking where the credit card belongs, and click on the credit card to select the transaction details.
2. Secondly, click Filter, select the transaction type, and click Return to Tax Refund.
3. Finally, click the transaction description after purchase in the interface to query the refund record.
How to inquire about credit card refund?
The credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and it can also be used to swipe the card, withdraw cash and transfer money. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to repay and swipe the card with overpayment.
In fact, credit cards will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill. The user does not need to repay the refund amount.
Personal credit report is required for bank loans:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open China People's Credit Information Center official website (version 3.3.2 of Google Browser), and submit an application for personal credit information record in the personal inquiry column with the mobile phone number matching the registered account number of the ID card. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
Conditions for applying for bank loan business:
Natural persons aged between 18 and 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank;
6. If the above conditions are met, you can apply for loan business at the local bank.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
(2) proof of permanent residence or valid residence and proof of fixed residence; 3. Proof of marital problems;
4. Bank flow;
5. Proof of income or personal assets; 6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank. Requirements for bank loans:
(1) 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is usually between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
How to check whether the credit card has been refunded successfully?
If the credit card refund is successful, you can pay attention to bank SMS and bank card quick payment. Refund returned to AliPay.
To inquire about the refund, you need to log on to the bank website or go to the bank ATM to inquire and pay Alipay.
Inquiry on Credit Card Consumption Records of CITIC Bank:
1. Inquire about the credit card consumption records of CITIC Bank by SMS:
2. Click on the consumption inquiry record to inquire about the credit card consumption record, and inquire about the credit card consumption record of CITIC Bank through online banking: log in to the online banking of CITIC Bank to check the bill details.
3, bank counter query, bills (SMS query does not need to pay extra)
The refund was successful, and the refund time is uncertain. You can pay close attention to the transaction records. You can find it in your credit card transaction record.
In addition, the funds paid at that time were written off. Generally, it takes 3-7 working days for the refund to arrive, and mobile online banking or computer online banking will do!
Refund to the credit card does not mean that there is cash in the card, but only means that the system has passed the audit.
If you have any other questions, please contact official website Customer Service directly.
As long as the refund is successful, the credit card can be returned within three days. You can view the refund details by opening the order details, which will show the last arrival time of your credit card.
The refund process of credit card tickets purchased at 12306 is as follows:
At the same time of refund, it is recommended to pay attention to the time when the funds are returned to the bank card, which is generally 2-7 days.
There will be no SMS notification after the credit card arrives. Don't judge whether the funds have arrived by whether you have received SMS.
The specific arrival time is subject to the bank.
If the status of the bank card is abnormal and it is cancelled, if it is unsuccessful, the bank card will return the balance of Alipay account.
At the same time, pay attention to the balance of Alipay account and the funds of bank card.
Bank credit card refund can be directly inquired in the unbilled bill.
If it doesn't arrive in two days.
After the refund is successful, you can check it in the unpaid bill of the letter of credit.
After Taobao's refund is successful, the money will generally be returned to China Merchants Bank's credit card within two days.
If you use China Merchants Bank to shop in Taobao, you can call the bank's customer service. If there is a refund, the money paid will be refunded in the original way. After the refund is successful, click on my Alipay. The money will not arrive immediately, but it can also be the mobile phone number. If you have no money, you can check whether there is any money in your Alipay. If you have a credit card, you must have Alipay. You can recall that when you registered Want Want's name, Alipay was already generated at the time of registration, so don't worry. In addition to Alipay, there are two channels for Taobao to pay back the money, that is, to pay back the credit card. Maybe you don't remember which one.
You log on to my Taobao, and one of these two is your Alipay. As long as the Want Want account is registered, what is it registered with?
How to check the credit card refund?
If you use China Merchants Bank credit card, please log in to the credit card official website, click "Online Banking Login" on the right and enter your ID number, inquiry password and additional code. After logging in to online banking, select the bill details to query in Account Management-Bill Query to query the bill amount and details. If there is a refund in your account, you can check it in your paid bills and unpaid bills, and the refund is shown as a negative number.
To set up automatic credit card repayment, you can open Alipay wallet, click on credit card repayment, and then click on the triangle below the credit card to see the opening of automatic repayment, and click Open Now. You can set up automatic credit card repayment in Alipay.
The specific steps are as follows: 1. First, open Alipay wallet and click "Credit Card Repayment" on Alipay wallet; 2. After entering the "Credit Card Repayment" page, we can see the information of the credit card. Click the triangle below the credit card to see the item "Enable automatic repayment"; 3. Click "Enable automatic repayment" and we will see "Enable immediately", and then click "OK" in the reminder to import the mail bill, and the bill will be automatically imported; 4. After the bill is imported, return to Enable Automatic Repayment, click Enable Now, and then click OK in the email bill import reminder to set automatic repayment. Click "OK" after setting to start automatic repayment. This is taking Alipay as an example.
Credit cards are very popular among many young people. They can not only overdraw in advance, but also exchange points for things. However, if the credit card fails to repay the money when it expires, it will reduce the credit limit, so try to repay it automatically with the credit card.
operational approach
1. The automatic repayment of credit cards should be made in the same bank, so there will be no handling fee. Automatic repayment must be handled at the bank counter first. After filling out the corresponding form, you can give it to the staff.
2. Next, add the credit card to the existing savings card account. The lobby manager in this operation bank can solve it. He will teach you how to operate a microcomputer, which is much faster than doing it yourself at home.
3. After the bank counter operation, you need to log in to personal online banking to continue. After entering the personal center, find "Credit Card Service" at the top left, and click Enter.
4. After finding the credit card repayment, click to open the secondary menu, and you can see "Repayment, set automatic repayment" and so on. Here we choose "set automatic repayment", and then information such as credit card will appear. Click "Set Automatic Repayment" at the back.
5. After the automatic repayment business agreement (personal card) appears, read it carefully. If there are no questions, click the bottom to read and accept. Then there are the next steps, including "setting automatic repayment in RMB account" and "setting automatic repayment in foreign currency account". We generally choose the former here.
Operating environment: apple 12, ios 14, AliPay version 10.2.3 computer: macbookpromos 14. Open Google version 92.0.4515.13/.
That's enough about how to inquire about credit card refunds.