Bank of Communications Credit Card SMS Bill Inquiry

1. SMS Inquiry Method:

1. Bank of Communications Credit Card Bill Inquiry: Send the last 4 digits of CC bill # to 95559 , you can check the amount and repayment date of the latest bill of the designated card;

2. Bank of Communications credit card balance inquiry: send the last 4 digits of CC balance # to 95559, and you can check until the time of sending the text message. Specify the account balance of the card;

3. Inquiry on unissued bills of Bank of Communications credit cards: Send the last 4 digits of CC unissued bill # to 95559 to query the accumulated unissued bills of the specified card up to the time of sending the text message. Enter the transaction amount;

4. Bank of Communications credit card trial repayment query: CC trial repayment #YYMMDD# send the last 4 digits to 95559, and the query can be ended up to YYMMDD (year, month, day, such as 100907 ) Specify the account balance of the card;

2. Bank of Communications credit card information can be queried in the following ways:

1. Query Bank of Communications credit card consumption records through the customer service phone. Users can call the 24-hour service hotline of Bank of Communications at 400-800-9888 and follow the voice prompts to transfer to manual inquiry.

2. Inquire about Bank of Communications credit card consumption records through Bank of Communications ATM machines.

3. Inquire about Bank of Communications credit card consumption records through Bank of Communications business outlets.

Extended information

"Bank Card Business Management Measures"

Article 45

The card-issuing bank shall comply with the following credit card business risks Control indicators:

(1) The amount of a single overdraft incurred by the same cardholder shall not exceed 20,000 yuan (including the equivalent foreign currency) for personal cards, and shall not exceed 50,000 yuan (including the equivalent foreign currency) for corporate cards.

(2) The monthly overdraft balance of the same account for personal cards shall not exceed 50,000 yuan (including the equivalent in foreign currencies), and for corporate cards shall not exceed 3% of the comprehensive credit limit of the issuing bank for the unit. For units that have no comprehensive credit limit to refer to, their monthly overdraft balance shall not exceed 100,000 yuan (including the equivalent in foreign currencies).

(3) The overdraft limit of a foreign currency card shall not exceed 80% of the cardholder’s deposit (including the pledged amount of the savings certificate). (4) The average monthly overdraft balance that occurs for more than 180 days (including 180 days, the same below) from the date of implementation of these measures shall not exceed 15% of the average monthly total overdraft balance.

Article 46

The maximum overdraft period for a quasi-credit card is 60 days. The minimum repayment amount for the first month of a credit card shall not be less than 10% of the overdraft balance of the month.

Article 47

The card-issuing bank shall recover overdrafts and funds through the following channels:

(1) Deduct the cardholder’s deposit and handle the mortgage in accordance with the law Property and pledged property;

(2) Recover overdraft funds from the guarantor;

(3) Recover compensation through judicial procedures.