1. If it is a transfer transaction (the transfer-out account and the transfer-in account are the same branch account), the bank will realize real-time receipt;

2. For remittance transaction (the transfer-out account and the transfer-in account are different branch accounts), if you handle it between 9: 00 am and 4: 00 pm, the remittance will arrive in real time; If the customer handles it after 4 pm, it will arrive the next day.

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The principal of each credit card refers to the part of the principal that needs to be repaid in each period, that is, the installment amount that needs to be repaid every month. It usually does not include the interest, handling fee or annual fee generated during the current credit card use. You need to consult the issuing bank of the credit card for details. For example, if you apply for 3000 yuan in six installments, then the installment principal of each installment is 500 yuan. In addition to the principal, there will be an installment fee, which will also be shown on the bill. At the same time, we should know that the installment fee of credit card refers to the installment fee, which is generally deducted in each period. Some banks deduct all handling fees at one time in the first phase. Usually, the handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, record the amount of each period and the handling fee of each period.

The difference between credit card and debit card

The following is the difference between the two cards: 1. Credit card is a consumer credit product, which is paid after consumption, while debit card is used after deposit; 2. Credit cards can be overdrawn, but debit cards cannot be overdrawn; 3. Credit cards have revolving credit lines, but debit cards don't (revolving credit refers to the credit line approved by the bank for the cardholder, and the debts used by the cardholder within the credit line need not be fully repaid, so a good credit record can be maintained only by stipulating the minimum repayment amount, and the credit line of the cardholder can be reused); 4. If the credit card holder needs to repay in full before the final repayment date, the shopping consumption can enjoy an interest-free repayment period;

5. Credit card deposits do not bear interest, and debit card deposits bear interest at the savings rate; 6. Credit card belongs to asset business and debit card belongs to liability business;

7. The issuance of credit cards needs to meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need to have an ID card;

8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.