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A manager of Bank of Communications Huimin Loan called and asked me to provide proof of consumption or settle it in advance. What should I do?

Just provide a receipt with a stamp. Write the amount of the receipt yourself and search things on Taobao.

there are two reasons for banks to ask for invoices: one is to ask for vouchers when they have doubts about a certain amount of credit card swiping, and the other is to ask for vouchers to prove the use of the funds after cash installment.

Ping An Bank often asks consumers to give vouchers for the amounts that are suspected of cashing out in the system. For example, if the single amount is too large and inconsistent with the merchants and online payment is frequent, they will be notified by the robot phone, and these people will probably receive Ping An's risk control SMS later, so the people who are asked to give vouchers are all people with stories.

after a small number of card friends called customer service, the customer service told them that they don't need to upload this time, and they can seal the card directly next time. However, the vouchers that it allows you to give are not recent, but nearly one year. (If the reserve fund is used, it will be even more risky, and the small amount will not be exhausted.)

If the repayment amount is almost the same within two days after repayment, it means fast-forward and fast-out, but Ping An has higher requirements for merchants, and thousands of meals are subject to risk control. Of course, it is also subject to risk control in the gym, which is why Ping An is called the first risk control.

As soon as CITIC Bank makes a cash loan in installments, it will send a short message to tell you to give a "consumption voucher" within 3 days and upload a voucher for the use of this fund (vouchers refer to standard invoices, contracts, receipts, etc.).

If you don't give the relevant consumption vouchers as required by SMS or use the cash installment funds for consumption purposes as agreed, our bank has the right to ask you to pay off the installment amount in one lump sum (including but not limited to paying the remaining installment principal and handling fee in one lump sum):

CITIC's request is quite satisfactory, because it doesn't have to be a special ticket, and a receipt will do. However, if the payment is not up to standard, the remaining handling fee will make you happy when you take it, but very sad when you return it.

Analysis: CITIC receipt can also pass the examination and will not affect the credit card.

What's even worse is the Bank of Communications:

The cardholder has a quota of 14, yuan. He received a phone call from the customer service of the bank saying that he was invited to increase cooperation with the bank, and then he handled a large cash installment. As a result, he called him to ask for the proof of consumption one month after the installment. Like many people, the cardholder didn't take it seriously. After one month, he was directly blocked, limiting the credit card consumption, and only failed to get in. He called you to pay off the debt and cancel the card.

the cardholder used 3, yuan of it and then transferred it to another bank's savings card for use after withdrawing it from the counter, but the customer service said that it was a cash installment of 3, yuan, and he suspected that his money was not used for the specified purpose. After giving the formal invoice, the customer service supervisor said that it was possible to unblock it after agreeing to reduce the amount to 1, yuan, and finally it was to reduce the amount by one third.

So, do you still think that the so-called "increasing cooperation with banks" will help you use your card? The salesman has no sense of responsibility, just tell you to transfer money casually, but the supervision center will mark the money and ask you to give a proof of consumption.

I didn't mention the limit, but I spent extra money to find the invoice, and then the amount was reduced. The intermediate credit card didn't consume or cash out, just because the cash was blocked by installments, which was a routine of leverage.

if you have to use it, remember to record it when the salesman sells it, in case of subsequent complaints.

analysis: traffic affects credit cards and requires special tickets+then I get such a data from the customer service description: asking for vouchers is a risk control process. According to the probability, as long as you are not a blacklisted user in the industry, having a POS machine receipt will generally not do you any harm, just go through a process.

however, if you happen to be the risk control target of his family, then you have no receipt or consumption record at this time, and you are basically doomed. There are four kinds of consumption credentials uploaded: special VAT invoice; Receipt (POS machine receipt); Consumption records and other supporting certificates.

from the above cases in which banks require invoices, it can be seen that there is a high probability of cash installment, and some banks need it if they swipe their cards. The former is unavoidable, and the latter is possible. If it is unavoidable, it is necessary to swipe a small amount.

Card friend Guangfa Guoshoubai went to the same gas station to refuel for a total of 2,5 yuan. As a result, the customer service told him that this was a blacklisted merchant, so he didn't cash it back. If this is safe, he would probably need to give proof, so it is good to avoid daily consumption and easily become a blacklisted merchant.