The arrival times of different banks are as follows:
China CITIC Bank: All kinds of transfers will be received within 1-2 working days.
Bank of communications: the bank receives the account in real time; Cross-system 24-hour working day arrival.
Bank of China: the bank transfer will arrive at the account in real time at 9:00- 17:00; Inter-bank transfer 1-3 working days.
China Construction Bank: the bank transfer will arrive at the account in real time at 9:00- 16:30; Inter-bank transfer 1-3 working days.
Guangfa Bank: transfer 1-2 working days to the account; Inter-bank transfer 1-2 working days.
China Everbright Bank: the bank's transfer below 1 10,000 yuan will be received in real time, and the transfer above 1 10,000 yuan will be received the next day; Inter-bank transfer 1-2 working days.
Shanghai Pudong Development Bank: Bank transfers arrive in real time; Cross-system transfer will be received within 24 hours (working days).
Industrial and Commercial Bank of China: the bank transfers less than 500,000 yuan in real time, and transfers more than 500,000 yuan in the next day; According to the time of China People's Bank.
China Merchants Bank: Bank transfer in the same city can be received in real time, and it can be received in 2 working days in different places; Inter-bank transfer will be received within 2 working days in the same city and 5 working days in different places.
1. Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers who meet the credit conditions. It is in the form of a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17, 12, 1, the business English translation and writing standard was formally implemented, and the English name of the credit card standard was defined as credit card. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and can overdraw within the specified credit limit when the balance of the reserve fund account is insufficient to pay. The credit card in question usually refers only to the credit card. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.
3. Do not deposit cash in advance, spend first and then repay, enjoy interest-free repayment period, repay by installments (minimum repayment amount) independently, and join international credit card organizations such as VISA, Master Card and JCB for global use. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has both payment function and credit function. Cardholders can use it to buy goods or enjoy services.