What does querying a credit card mean?

If you want to query the China Merchants Bank credit card account information, please log in to the credit card website, click "Online Banking Login" on the right, and after logging in, click the horizontal menu above "Account Management" - "Account Inquiry", you can check the "monthly bill date", "due payment date of this period", "repayment amount of this period", and "minimum repayment amount of this period". If you have any questions, please call our credit card service hotline, enter your ID number and select 9 to enter manual, and the customer service staff will verify and process it for you.

What does a credit card mean?

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Extended information:

The dangers of credit card overdraft:

1. Producing a bad credit record;

2. Interest: 10,000 per day Calculated at five-fifths;

3. Late payment fee: generally calculated as 5% of the unpaid portion of the minimum repayment amount (depending on the regulations of each bank);

4. Malicious credit card overdraft repayment You may face criminal penalties;

5. If you are blacklisted by a bank, you will no longer be able to have a credit relationship with the bank within 5 years from the date of paying off the debt. Your credit worthiness will not be greatly affected if you repay one or two days late, but overdraft interest will be charged. That is, two days of overdraft interest will be charged based on one ten thousandth of the overdraft amount.

Baidu Encyclopedia-Credit Card

What does credit card query progress mean?

Credit card application progress inquiry refers to applying for a credit card from the bank, which takes about 10-30 days for credit card review. During the review period, applicants can check the progress of their credit card application on the card issuer's official website - Card Application Progress Inquiry. You can also directly call the customer service number of the credit card center to check the progress of your card application. Get a real-time overview of your card's review status.

What does the CITIC Credit Card checking stage mean?

The CITIC Credit Card checking stage means that you have now been approved. Next, you will wait for the bank to make and issue the card. According to the received Just follow the credit card instructions to activate it.

CITIC Credit Card review process: 1. Personal information review: You need to carefully fill in your personal information and provide your identity document for review. The next review will only be carried out after the review is correct. 2. Review of personal assets: You need to present your bank statements and credit property certificates, including your driving book, real estate certificate, etc. 3. Personal credit report review: If you have a credit card overdue record recently, it may affect the credit card loan limit. If the circumstances are serious, the bank will not agree to issue the credit card. When you apply for a card for the first time and fill it out online, you will usually call your mobile phone the next day to check the information, company name, department name, company address and other questions. If the answers are correct, you will be notified by text message for an interview within an hour, and then the teller will ask again. Just ask the question once, scan your ID card, and take a photo and you’re all set. Usually there will be information about the approval in the evening, and then you will have to wait two to three days to receive the card.

Let’s talk about the advantages and disadvantages of CITIC. First of all, advantage one: CITIC Bank credit card can be applied for regardless of any qualifications. Anyone with a white account, a pure account, a bad credit record, or an overdue credit card can apply. Advantage 2: The efficiency of online application is very fast, and the application rate is very high. As long as the information is consistent, the probability of application is over 90%.

Advantage 3: There are many co-branded cards, and the space for choice is very large. There are co-branded cards with almost all platforms, and there are also many loans behind them.

Disadvantages: The number of outlets is relatively small. They are generally available in first- and second-tier cities but not in small counties, so it is difficult to apply. There are four main application channels for China CITIC Bank: 1. Offline counter application, which is generally suitable for those with better qualifications, no blacklist, no bad records, and CITIC Bank loans, CITIC Bank financial management, and CITIC Bank have a history of turnover , this kind is the best. 2. Ask a card clerk to apply at your door. This method is suitable for those who have a job. You must have an employer where you work. If you work in packaging, it is not suitable to apply this way. The card clerk who comes to apply for the card can take photos of the company. If you have photos, you will basically not be given any return calls. Moreover, the probability of approval is high and the credit limit will be high. 3. Official website and client; suitable for applying to customers. If you can submit proof of your financial resources, the success rate of card application will be very high. 4. Third-party channels: There are many channels for this, such as Alipay, Taobao, WeChat, etc.

What does virtual credit card check mean?

Many banks will open a virtual card for you when you apply for a credit card

A virtual card is a credit card that can be used for online purchases

Card checking is to verify your Information

That’s it for the introduction to what it means to check a credit card.