if the credit card is deducted inexplicably, you need to pay attention to these two aspects: whether the annual credit card fee/business card printing fee is deducted for the credit card or whether the credit card has been stolen by others. In case of such unidentified deduction, you'd better call the service hotline of the issuing bank and ask the manual customer service to confirm what kind of fee is deducted, so as not to cause your own losses.

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Credit limit

Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only spend your credit card within this limit, and beyond this limit, you can't spend your credit card normally. The credit limit is approved by comprehensive evaluation based on the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of a dual-currency credit card can be converted to each other. For example, your limit is 3, RMB, and when you use the card abroad, your credit limit is equivalent to about 5, US dollars.

The credit limit will be adjusted by the bank on a regular basis, but you can take the initiative to provide relevant financial proof to request the adjustment of the credit limit. In addition, when you need a higher credit line in a certain period of time when traveling abroad or moving to a new house, you can ask for a higher temporary credit line.

What is the "second line"

The second line, that is, the line that can only be used by stages, is an external line that does not occupy your original line. According to ME Aika, there are also Everbright Bank and China Bank that support the phased use of the second line.

trading day

the date when the cardholder actually uses the card to trade.

billing date

, also known as billing date, refers to the date when the card issuing bank debits the transaction amount to its credit card account or the date when the card issuing bank debits the relevant expenses to its credit card account according to relevant agreements. The general billing date is the second day of the cardholder's actual consumption date. For example, if you shop on December 1st, then the general billing date is December 2nd.

billing date

billing date refers to the date when the issuing bank regularly summarizes the transactions and expenses of the cardholder's credit card account in the current period, calculates the interest and calculates the payable amount of the cardholder in the current period.

repayment date

the date when the cardholder actually repays the credit card account to the bank.

interest-free repayment period

for non-cash transactions, the date from the bank bookkeeping date to the due repayment date is the interest-free repayment period. The shortest interest-free repayment period is 2 days and the longest is 56 days. During this period, as long as you pay off the amount payable in the current period on the current statement in full, you don't have to pay the interest on any non-cash transaction (you don't enjoy interest-free discount if you borrow cash in advance).