However, if the consumption voucher is not saved after each consumption, the normal use of the card will be affected. As long as the bank checks the user, it must upload the consumption voucher in time for the bank to review.
Under normal circumstances, as long as the user uses the card in a standardized way and there is no violation, credit cards rarely require users to upload consumption vouchers.
Almost all major banks will have a consumer loan, such as Xinyi Loan, Universal Fund, Dream-realizing Fund, Reserve Fund, Universal Fund, E Loan, New Express, Enjoy Loan and so on. As the name implies, consumer loans are used for consumption, but what if some people do not use them for consumption and cannot provide proof of consumption?
Explanation:
Why do I need to provide proof of consumption?
Some banks randomly check users' capital consumption, which is prohibited for investment and wealth management, house purchase and car purchase and repayment. The other part is that the risk of the bank is under control, and you need to provide vouchers, otherwise the bank will force you to settle foreign exchange in advance (most of them are not used for real consumption, and there is no one-time full repayment ability for the time being). For such a friend, you must be very upset and tangled.
Generally, the vouchers provided are the details of the money falling on the bank savings card, and there are clear requirements for the time to send it to the designated mailbox. If you can't provide it, or the audit fails, I hope you are ready to pay it off in one lump sum. (Non-negotiable)
Almost all credit cards or consumer loans behind banks will be randomly checked or tested by the wind, which can be said to be irregular use or bad luck!
1. What are the credit card vouchers?
There are many kinds of credit card coupons. Generally, as long as the cardholder uses the credit card in daily life, all kinds of vouchers provided by the merchants can be used, including: purchase orders, invoices, renovation contract, screenshots of online transaction orders, medical vouchers, screenshots of transfer, debit card bills/Alipay bills, air tickets, tickets, travel itineraries, tickets for scenic spots, etc.
It should be noted that no matter what kind of proof of consumption, it must be consistent with the date of consumption, otherwise it will be considered invalid by the bank and you need to provide it again.
Second, how to obtain credit card consumption vouchers?
Usually, you don't need to do it deliberately. If you use a credit card to spend money on a POS machine, a shopping list will be printed automatically. If you shop online, some merchants will mail contracts and invoices, so you just need to keep all the vouchers you receive and submit them directly when the bank wants them.
Of course, some card friends may lose their consumption vouchers. When the bank asks for them, they can take the initiative to explain to the bank that they have accidentally lost the invoice or purchase order to see if the bank can let you pass; Or if there is no receipt, you can also tell the bank that the merchant has a discount and does not invoice.
However, it should be noted that if the provided consumption voucher fails to pass the bank's audit, the bank may not only require full repayment, but also reduce the credit card limit or seal the card. If this happens, you can try to communicate with the bank. If the communication fails, cancel the credit card after paying off the debt.
Finally, I want to remind you, even if you don't have a proof of consumption, don't ask someone to write a fake invoice on your behalf. Doing so may directly put you on the blacklist of the bank, and you may be directly rejected for handling various businesses of this bank in the future.