1. Bank credit card customer service telephone inquiry

Cardholders can also inquire about the unbilled credit card of Bank of Communications by calling the customer service telephone of China Merchants Bank, for example, the customer service telephone number of China Merchants Bank is 4-82-5555, and then switch to manual service for inquiry. 2. Mobile phone inquiry

Credit card holders can download the "Pocket Life" of China Merchants Bank's credit card mobile phone client, and after logging in, they can obtain relevant information about the outstanding bills of the credit card by inquiring the bills. 2. Unbilled credit card bills

Debuted bills are the bill amount and detailed records that need to be returned in the current period, which are generally sent to the cardholder in paper or electronic form on the credit card billing date. There is no need to repay the credit card in this period, and it will be included in the next bill. For example, if the billing date is the 5th of each month, the billed transactions are all recorded from the 6th of last month to the 5th of this month (inclusive), and the subsequent transactions belong to the unbilled transactions. If the status of the credit card is normal and there is enough available amount to continue to use, the money after use is still included in the corresponding bill according to the bill settlement cycle.

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1. Consequences of overdue bank credit cards

In case of overdue bank credit cards, banks will not only charge late fees and interest, but also affect the personal credit records of cardholders. If there are more than three bad records (overdue for three times) within 12 months, the bank can freeze the credit card at any time and synchronize the bad records to the People's Bank of China. Cardholders' applications for credit cards, car loans and mortgages from various banks in the next five years may be rejected. Therefore, when you can't repay in full, you should try to repay the minimum repayment amount to avoid overdue records. China Merchants Bank charges 5% of the unpaid part of the minimum repayment amount, at least 1 yuan or US$ 1. For the total amount of 2, yuan, the minimum repayment amount is generally 1% of the total amount, that is, 2 yuan, so the late payment fee is 2×5%=1 yuan. In addition, if the payment is not made in full, interest will be charged for each consumption from the bookkeeping date, with a daily interest rate of five ten thousandths until the consumption is paid off.

II. Precautions for overdue bank credit cards

Bank credit card holders should keep in mind their final repayment date, and forgetful cardholders can know the final repayment date by opening SMS reminders and paying attention to bank credit cards. At the same time, cardholders need to spend their cards rationally, and they should spend their cards within their repayment ability. Reasonable use of cards is an important guarantee to avoid overdue; When you can't repay in full, you should also try to repay the minimum repayment amount to avoid overdue records.