Yes. Credit card consumption must be canceled on the same day. After 24:00, the funds will be transferred to the merchant account. After the cashier uses the consumption voucher number to cancel the card on the POS machine, we will receive a refund text message from the bank. If you swipe the card on the spot, you can negotiate with the merchant to correct the transaction on the POS machine, and then swipe it again. The payment method using a credit card is basically the same as the payment method using a debit card, with some minor differences.

When using a credit card for consumption, sometimes the transaction amount may be incorrect or you do not want to make a purchase. At this time, as long as we save the consumption voucher number on the POS machine receipt, we can cancel it. of. After the cashier performs the cancellation operation on the POS machine with the consumption voucher number, we will receive a refund text message from the bank. If you swipe the card on the spot, you can negotiate with the merchant to correct the transaction on the POS machine, and then swipe it again. Generally speaking, refunds for canceled credit card purchases can be credited within seven working days. Once the refund is credited, the available credit will be restored, and the points generated by the purchase will also be invalidated.

1. Ask for a cancellation number. The credit card limit will be restored after the credit card pre-authorization is revoked.

2. Therefore, it is recommended that cardholders should take the initiative to pay attention to the occurrence and revocation of pre-authorization on a daily basis. Cardholders should also check carefully and be sure to request the hotel or agency to handle it within the specified period. After the pre-authorization revocation procedure, the bank will not charge back and refund the remaining amount to the credit card. When checking out, the bank will automatically cancel the pre-authorization after a certain period of time, pay the consumption amount, and make a phone reservation. However, it should be pointed out that pre-authorized settlement is performed through the POS machine when the statement is received. also.

3. Generally speaking, pre-authorization cancellation is divided into active cancellation and automatic cancellation, which can quickly restore the limit while eliminating possible subsequent risks and losses. Even if pre-authorization revocation is not actively performed, It cannot be ruled out that merchants may subsequently deduct funds from the frozen amount for reasons such as discovery of physical damage. If problems are discovered or objections are made, or procedures such as canceling the lease are processed through the Internet, but the process is not carried out before the time specified by the merchant. After completing the check-out, the time period for automatically canceling the pre-authorization is generally 30 to 45 days. After the cardholder completes the payment, the credit card pre-authorization can be canceled after completing the hotel check-out procedure. For example, the merchant can still deduct the corresponding proportion of the room fee or air ticket price as agreed upon as a cancellation voucher after the hotel or air ticket agency requires the cardholder to provide a credit card guarantee due to shortage of rooms or air tickets. When intending to cancel a reservation, the cardholder should also consciously request or confirm that the relevant merchant immediately revokes the pre-authorization. At the same time, this frozen amount will occupy the original limit of the credit card, or a certain amount of pre-authorization must be swiped after entering the store. , if the customer needs to cancel the order. also. According to bankers, the usual operation mode of hotels is to avoid unnecessary losses when the guest checks out but the hotel itself has not revoked the pre-authorization.

4. Credit card pre-authorization is a special contract Merchants use it as a means of fund guarantee to apply for order adjustment. The risks of pre-authorized transactions are actually the same as the risks of direct card consumption. You can contact the credit card center of the card-issuing bank immediately.

After paying the loss reporting fee and the card loss reporting fee, you cannot continue to consume:

Report the loss verbally. If the cardholder does not have time to go to the credit card department, there is no need to go to the card issuing outlet to report the loss, such as installment payment. Handling fees and interest. After canceling the loss report, the original loss reporting handling fee and loss reporting card replacement fee will not be refunded. All financial responsibilities for the card before reporting the loss and within 24 hours after reporting the loss shall be borne by the cardholder. You can apply for a loss report at a nearby Construction Bank branch and submit your identity document for verification. However, after reporting the loss of a credit card that does not affect normal deductions, the cardholder can The cardholder must fill in the loss report application form, otherwise the loss report will be automatically released after 24 hours. Loss reporting applications can be made at any CCB outlet. The procedure for formal loss reporting is that one must go to a CCB business outlet to apply for formal loss reporting within 72 hours. Applying for a loss report at an outlet is a formal loss report.

If the cardholder loses his or her credit card when reporting loss at an outlet, charges will be deducted normally, and the loss report can be cancelled. The cardholder found the credit card after reporting the loss. If the loss is reported verbally, otherwise the loss report will be automatically released after 24 hours. You can call to report the loss verbally (telephone 95533), but you must go to a China Construction Bank business outlet to formally report the loss within 72 hours.