The main difference between bank receipts and statements is their purpose. Among them, the role of the bank receipt is as a voucher issued by the bank when an individual or company makes a payment or collection transaction at the bank.

The function of the bank statement is the detailed process of reconciliation between units that have fund transactions with the bank and the bank at the end of each month.

Extended information:

Monthly statements generally include electronic statements and paper statements, and refer to the loan center (credit card center) of the card issuing bank. After the cardholder's monthly bill is settled, the cardholder's card payment details will be packaged into an email and sent to the billing mailbox written by the cardholder, or a statement will be printed and sent to the cardholder's billing address, indicating the consumption amount, minimum Repayment amount, final payment period, etc.

Cardholders should carefully check whether the statement is consistent with the previous statement. If there are any discrepancies, he can notify the bank and suspend the payment of charges.

Electronic credit card statements are generally sent via email, and include credit card account information, billing cycle, total amount payable for the current period, points summary by card number, transaction details, etc.

The minimum payment amount refers to the minimum payment amount deposited into the current bill before the final payment date. There will be no late payment fees, no active application, and no impact on credit reporting, but the consumption in the bill is not interest-free. All consumption in the current period will accrue interest from the recording date, and will be charged at a daily interest rate of 0.5 (repay in full and on time, and enjoy an interest-free period for card purchases).

Minimum repayment amount = this month’s balance × 10 (standard card 5) If the minimum repayment amount was not paid in the previous period, there is a minimum repayment amount.

The minimum repayment amount for the gold card is US$100/US$20, and the minimum repayment amount for the ordinary card is US$50/US$10 (each bank is slightly different). If the minimum repayment amount is not paid within 30 days after the repayment due date, the card will be suspended.

If the minimum repayment amount of the current bill is not paid off before it is due, a late payment fee will be charged; calculated based on 5% of the unpaid portion of the minimum repayment amount of the current bill, the minimum is ￥20/$3.

When there is a transaction in your account and exceeds a certain amount, our bank will send it to you by regular mail at the address specified by you on a fixed date of each month (usually the third day after the statement date). bill. If you do not receive the statement within 10-15 days after the bill date, please call our 24-hour service hotline immediately to avoid delay in repayment. The relevant transaction and fee details of all cards under your name (including primary and supplementary cards) will be summarized and listed on the statement in RMB and US dollars respectively.

If you need to change your statement mailing address, please call the 24-hour service hotline. We will verify your identity and send a statement to the new address provided.

If your statement is lost, we can replace it for you. It is free to send the statements of the last 3 months. There is a certain handling fee for sending the statements of the last 3 months.