Although it is not common that the payable amount of China Merchants Bank's credit card in this period is inconsistent with the bill amount in this period, it is normal. This happens when there is a refund or voluntary repayment after the bill date. The "balance payable in this period" in the credit card is the repayment amount. Remaining payables in current period = bill amount in current period-paid amount. Credit card balance refers to the amount you have spent but have not paid back (including interest and late fees). If it is negative, it means that you have paid more, the extra part. (China Merchants Bank) The bill amount in this period indicates the total amount to be repaid, and the amount to be repaid is the current amount to be repaid. _ _ _ _ For example, if you returned a part before, the rest will be different during this period, so you should return it as soon as possible.

Operating environment: OPPOReno6 China merchants bank 9.5.2

1. What's the difference between the credit card repayment date and the billing date?

Credit card repayment date refers to the latest date when the issuing bank requires the cardholder to repay the payable amount; Credit card billing date refers to the date when the issuing bank regularly summarizes and settles the current transactions and expenses of the customer's credit card account every month, calculates the total amount owed by the customer and the minimum repayment amount, and then sends the statement to the customer.

Two, query credit card consumption bill details have the following methods:

1. Log in to credit card online banking, click Account Management-Bill Inquiry, and click the bill details of each bill.

2. Call the bank's free customer service phone number to inquire about the credit card consumption records and bill details. Every bank has a special credit card customer service department, which can consult them, input personal information and inquire about consumption records.

3. Inquiry at the bank counter: Cardholders can bring their ID cards and credit cards to the issuing bank to ask the staff to help inquire about the transaction details, and can also print the transaction details bill for free.

Third, credit card overpayment.

Refers to the funds overpaid by credit card customers or deposited in credit card accounts, and a certain fee must be paid to take out the overpaid funds. For example, 800 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the extra 200 yuan is the overpaid part. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Some cardholders will mistakenly deposit money into their credit cards (credit cards don't need to deposit money, just spend it first and then repay it). If the money is deposited in the credit card in advance and there is no consumption, this part of the money can't be taken out. If you want to withdraw cash, you will charge a high handling fee and try to avoid it. Overpayment is interest-free.

Four. preventive measure

Gambling with credit cards. Banks have clear regulations on the use of credit cards, and it is forbidden to use credit card funds for wealth management, investment, gambling, property market, etc. Even in this case, some cardholders "take risks" and withdraw credit card limits in disguise for prohibited acts. If you gamble with a credit card, you will be banned. Never cross the line and bring yourself unnecessary trouble.

Lend your credit card to others. First of all, this kind of behavior is against bank regulations. When lending a credit card, the cardholder is responsible, and the bank can withdraw the frozen card.