What’s going on with automatic monthly credit card deductions?

1. There are several possibilities for automatic credit card deduction:

1. After overdraft consumption, it will be automatically deducted from the balance on the repayment date;

2. The credit card used requires an annual fee, which will be automatically deducted from the balance when it expires;

3. If you have opened some banking services, and the payment is automatically due, it will also be deducted from the balance; For example: SMS reminder service.

If automatic deduction occurs, you need to check the bill: if you need to check the details of the past 12 months, you need to log in to his online bank to check. The specific steps are: Online Banking - Credit Card - Credit Card Inquiry - Just check the bill after it has been issued.

If you still have questions after checking, you can also call the service hotline of the corresponding bank to provide feedback. The customer service can further answer your questions based on your actual accounts.

2. Credit card repayment rules:

1. After handling the installment repayment business, when you pay off in advance, the interest generated in each installment also needs to be repaid. In other words, the handling fee for each installment of early repayment of credit card installments will not be canceled immediately due to early repayment. If you only pay off the amount after the repayment date, the bank will charge relevant handling fees and interest on the next repayment date. That is, the amount will still be deducted even after the balance is paid off.

2. Annual fees are one of the sources of income for credit cards issued by banks. Any credit card will generate annual fees. The essence of annual fee exemption is that when the cardholder reaches a certain amount or number of times, the bank will get compensation for the annual fee! Therefore, the bank will still deduct annual fees for credit cards that have not been used for a long time but have not been canceled, resulting in a situation where money will be deducted even after paying off the card. Credit card cancellation must be thorough. In addition to canceling the card, you must also cancel the account!

3. In an era where there are more and more cases of credit card fraud, you cannot ignore the risk when there are any suspicious deductions from your credit card! It is also very simple to eliminate it. Just check the consumption records in the bill, including POS machine, consumer merchant information, etc. If there is any problem, contact the bank immediately to freeze the account. After the new credit card regulations, you can get reasonable compensation even if your credit card is stolen, so you must not let it go.

Third, the bank card automatically deducts money. The inquiry methods mainly include online inquiry and bringing the bank card and ID card to the bank for consultation. The details are as follows:

1. Go to the bank branch Bring your ID card and card to inquire

2. Open online banking, and there are very detailed income and expenditure details in the account transaction details

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Reasons for bank card freezing

1. The bank card is a credit card (credit card). If it is frozen, it may be due to abnormal transactions on the credit card, such as malicious cash withdrawals, forged information, If the password is continuously incorrect, the bank card may be frozen by the bank

2. For bank cards that can be overdrafted, the bank will set an overdraft share based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your card. Bank card

3. The bank card is a debit card. If it is frozen, one is a wrong account freeze, which means that the bank mistakenly transfers more money to the depositor's account during the transaction, then the bank may One way to freeze many parts is judicial freezing. According to the relevant provisions of the law, judicial authorities can apply to banks to freeze bank cards due to the need to handle cases. Customs, tax authorities and other departments also have the right to freeze

4. No matter what bank card it is, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password, which is similar to freezing, but instead of freezing it for 24 hours, it will be automatically lifted after 5. Bank If your card expires and you do not apply for a new one, the bank will freeze your expired bank card after expiration

6. If the bank card is reported as lost multiple times in a row, the bank will consider it as malicious and report the loss. Freeze

What does it mean when a credit card is debited for no apparent reason?

This situation is usually a tax refund; because the taxes paid by taxpayers need to be collected into the national treasury, when handling the tax refund, the treasury will also refund it to the personal bank card. Generally, the interest tax deducted is used to verify the reason for the deduction. If you have any questions about the transactions on the card, you can call the bank's customer service hotline to report it, and the bank will help you inquire. Banks will not deduct fees indiscriminately, and many of the deductions that users object to are likely to be bound withholding, payment or account management fees.

To pay the annual fee, whether it is a bank card or a credit card, a certain annual fee will be charged according to the bank's regulations every year. The annual fee standards of each bank are also different, so if you feel that you have been inexplicably The magic deduction is probably a normal deduction from the annual fee. If you are really worried, go to the local bank and ask the relevant staff to check it for you. Interest deduction: Interest is mainly for credit card users. Credit card repayments are very strict and have certain rules, so they must be repaid in full.

1. The main things to note when using bank cards are: Try not to use your own birthday as a password. It is recommended to use a combination of your own birthday and that of your family members to form a password. You can also use several digits from the mobile phone numbers of your spouse and children to form a password. Remember not to use your own mobile phone number. In addition to not using your birthday as a password for bank cards or property transactions, you should also not set the property password involved to be the same as the login password for ordinary websites. Try not to use the same password for multiple accounts. For situations where a person has multiple bank cards at the same time, it is recommended not to use the same password for multiple accounts.

2. Once the password of one bank card is leaked, other bank cards will be unsafe. Don’t make your password settings too simple. When setting a bank card password, do not make it too simple, such as using consecutive numbers or repeated numbers. The security of such number combinations is very low. When setting the password, try to use numbers that are easy for you to remember and difficult to be cracked by others. Use the combination as the password for your bank card. If the funds cannot be credited into the account due to loss or account cancellation of the bank card, please contact customer service in time to assist you in completing the loan. If the payment is delayed due to failure to notify in time, the user will be responsible for the costs incurred. The customer service service hours are 9:30-19:30 on working days. The specific contact information is: contact customer service, contact Shuixiang WeChat customer service, follow the "Shuixiang Installment" WeChat official account, or you can send directly in the WeChat official account Problem information.

Why is the credit card deducted for no reason?

If the credit card is deducted for no apparent reason, then you need to pay attention to these two aspects: whether the credit card is being deducted for the annual credit card fee/card creation fee or Whether your credit card has been stolen by someone else, if you encounter such an unknown charge, you'd better call the card bank's service hotline and call the manual customer service to confirm what kind of charge was charged, so as to avoid your own losses.

Credit limit

The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only spend within this limit. If you exceed the limit, This limit cannot be used for regular card payments. The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The main card and supplementary card share the same limit. Under normal circumstances, the RMB limit and the US dollar limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

What is the "second quota"

The second quota is the so-called quota that can only be used in installments. It is an external quota that does not occupy your original quota. . According to ME Love Card, banks that support the use of the second quota in installments include China Everbright Bank and Bank of China.

Transaction date

The date when the cardholder actually used the card for transaction.

Accounting date

Also known as the entry date, it refers to the date when the card-issuing bank records the transaction amount into the credit card account after the cardholder uses the card to make a transaction, or the card-issuing bank records the payment according to relevant regulations. Agree on a date when the relevant charges will be credited to their credit card account. The general billing date is the day after the cardholder's actual consumption date. For example, if you shop on December 1st, the general billing date is December 2nd.

Billing Date

The billing date refers to the card-issuing bank’s regular monthly summary of various transactions and expenses incurred in the cardholder’s credit card account in the current period, and the settlement of interest and calculations. The date on which the cardholder should repay the amount in the current period.

Repayment Date

The date when the cardholder actually repays the credit card account to the bank.

Interest-free repayment period

For non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The interest-free repayment period is as short as 20 days and as long as 56 days. During this period, as long as you repay in full the amount due on the current period's statement, you will not have to pay any interest on the funds advanced by the bank to the store for non-cash transactions (cash advances do not enjoy the interest-free discount).

Why is the credit card debiting money for no reason?

Under normal circumstances, credit cards will not deduct money for no reason. After all, they are all officially issued by banks. If the customer's credit card is charged by the card-issuing bank and the customer does not know what the charge is, he or she can call the customer service staff of the card-issuing bank. It is possible that the annual fee will be deducted, and the customer will just need to pay attention to repaying the loan on time.

If it is not an annual fee, check to see if the money is deducted for any services you have opened. Or is it because the bill was not paid off on time after credit card consumption or cash withdrawal, resulting in interest, and because the credit card signed an automatic deduction agreement, the bank automatically deducted the money from the card.

Customers are advised to check whether the card has been stolen by others. If there is a risk of fraudulent use, you must quickly lock the account, contact the bank for processing, and check recent transaction details to see which merchant the card was fraudulently used. And if the bank deducts money repeatedly or deducts it incorrectly, the bank will refund the wrongly deducted money after the customer reports the problem.

What is a credit card?

Credit card (English: creditcard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the billing date (English: billing date).

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

This is the end of the introduction on why credit cards are charged and what to do if you have questions about credit card charges. Have you found the information you need?