How to check credit card balance

1. Cardholders can take their credit card to the ATM for checking and query, insert the credit card into the ATM, enter the login password to check the credit card balance;

2. The cardholder goes to the bank counter with his credit card and ID card to check the account balance;

3. The cardholder calls the bank’s online customer service to check the credit card account balance through manual service;

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4. The cardholder opens the official website of the credit card, logs in to his personal online banking account, and can check the credit card account balance in the account information.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit.

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1. The person in charge of the Business Management Department of the People’s Bank of China, the competent authority responsible for the personal credit system, summarized: The personal credit system is A "credit file" (i.e. personal credit report) is established for each person by a specialized agency, which is then provided to banks, data subjects, financial regulators, judicial departments and other government agencies. This activity of sharing credit information between banks through third-party institutions is credit reporting. With the intervention of the credit bureau, when you borrow money from the bank, the account manager can query your credit report with your consent, thereby telling you whether a loan can be provided as soon as possible and saving time.

2. On the one hand, the personal credit system is a tool to prevent financial risks and maintain financial stability. On the other hand, it also promotes the establishment of the social credit system. Specifically, personal credit information is divided into three parts. The first part is basic personal information, the second part is credit information, and the third part is non-bank information. Basic personal information includes personal identity, spouse identity, residence information, occupation information, etc.; credit information includes bank credit information summary, credit card quasi-debit card information summary, loan information summary, loan guarantee information for others, etc.; non-bank information is Refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunications user payments, etc. Depending on the actual situation, the customer's own statements may also be included in the system information. This information does potentially affect individuals' lending behavior at banks.

Four major methods for checking credit card balances

Credit cards are different from savings. The balance of a credit card is its limit and excess payment, so if you want to check the balance of your credit card, you can do it in a variety of ways , let me introduce it to you below.

1: Counter inquiry

As long as you bring your ID card information, you can make inquiries through the business outlets of the card-issuing bank over the counter, including credit card limits. The operation method is very simple, just bring your ID card and credit card.

Warm reminder: Banks have working hours, usually from 9 am to 5 pm. Special banks will not allow self-service account retrieval after 3:30 p.m. If you are busy at work and just want to make a simple credit card credit limit inquiry, it is best to choose other methods.

Two: Online banking inquiry

This is a relatively simple and quick way. Credit card limit inquiry can also be solved through online banking. The operation is very convenient and fast. You only need to log in to the personal online banking of the bank where the card is issued to make corresponding inquiries.

Note: This operation is very simple, but you need to connect to a computer to query.

Three: Call the customer service hotline to inquire

Check the customer service telephone number of the card issuing bank. Cardholders can call for consultation whether they have any questions about their credit card. The operation is convenient and simple. You only need to choose the service you need according to the prompts. If necessary, you can contact a human for consultation.

Note: The bank’s customer service phone number also has peak periods. Generally, the phone is out of service between 7:00 and 10:00 in the morning. If you make a call during this period, you need to wait patiently.

4. WeChat inquiry

The most convenient inquiry method, as long as the cardholder follows the bank official account of his or her credit card, he can easily enjoy the balance inquiry on his mobile phone. Not only can you check your balance, but you can also check other functions without downloading any software.

5. Download mobile software APP

Nowadays, most banks have handheld software. As long as you download and install it from the application market, you can check your balance anytime and anywhere.

How to check the balance of a credit card on a mobile phone

1. How to check the balance of a credit card on a mobile phone

There are many ways to check the balance of a credit card on a mobile phone, including but not limited to phone inquiries. , WeChat inquiry, mobile banking inquiry, etc., the details are as follows:

1. Telephone inquiry: directly use the mobile phone reserved when applying for the card, dial the 24-hour credit card service hotline of the issuing bank, and transfer to manual service or customer service After verifying your identity information, we will check your credit card balance for you.

2. WeChat query: Open WeChat on your mobile phone, follow the official account of the bank’s credit card center, enter WeChat banking to bind your credit card, and you can check the limit. In addition to checking the limit, you can also do it on WeChat. Various businesses, such as bill installment, cash installment, etc.

3. Mobile banking inquiry: Install the apps of major banks on your mobile phone, such as China Merchants Bank’s Mobile Life App, Bank of Communications’ Pay Bar, etc. After installation, enter your card account number and password. Balance can be checked.

2. What to do if you check that the balance is insufficient

If you check on your mobile phone and find that the balance of your credit card is insufficient to meet consumption needs, you will naturally have to find ways to increase the balance, for example, you can increase the balance. The temporary limit can also be used to deposit money in the credit card, etc. The details are as follows:

1. Apply for a temporary limit: If the credit card balance is insufficient, the cardholder can use the mobile phone to call the customer service hotline of the credit card center to apply for an increase in the temporary limit , generally banks will conduct a comprehensive assessment based on the cardholder's daily consumption records, merchant type, purpose, etc., and it will take effect after approval.

Reminder: After increasing the temporary limit, you need to repay on time according to your bill. The temporary limit needs to be paid off in one go, and you cannot apply for installment repayment.

2. Deposit money into the credit card: If you check that the credit card balance is insufficient, you can deposit money into the credit card for consumption. For example, if you want to buy 5,000 yuan of goods, but the credit card limit is only 4,000 yuan, deposit it into the credit card. You can purchase this product for 1,000 yuan.

How do you check how much money is left in a credit card?

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, or customer service hotline 4006695566, outlets and other channels to query your account's current balance, available balance, credit limit and other related information, and keep abreast of the current month's account arrears to avoid delays in repayment.

The above content is for your reference, please refer to actual business regulations.

This concludes the introduction on how to check credit card money and how to find out where credit card money is spent. Have you found the information you need?