1. How to check the total credit card debt?

1. Call the bank's customer service phone to inquire. The bank provides a hotline. After dialing, we will go to the manual service according to the voice reminder, and tell the customer service staff through the manual service channel to inquire about the total debt of the credit card. Generally, they need to provide the ID number and card number of the credit card.

2. If we have opened online banking or mobile banking, we can log in to the client, find the interface of the credit card, and then check the account balance, repayment details and other options to find the total debt of our credit card.

3. If it is convenient, you can also bring your ID card and credit card to the bank counter. And there are many banks that can send text messages to inquire. Just send the specified SMS password to the issuing bank like the inquiry fee, and you can receive the bill of the total credit card debt.

Second, does credit card arrears have an impact on mortgage?

Whether the credit card arrears will affect the mortgage depends on the specific situation. If the credit card debt is still in the interest-free period, it will not affect the mortgage. As we all know, banks don't charge interest when credit cards are used normally. As long as they repay on time, it is very beneficial to our credit investigation.

But if the credit card debt is overdue, it will affect the mortgage. General banks are very strict in reviewing mortgage loans. If the credit card debt is overdue, banks will basically not approve the mortgage application. We can only apply after the letter of credit is improved.

3. What are the precautions for using a credit card?

1. When using a credit card, you must pay attention to reasonable overdraft according to your income, and do not overdraw excessively. It's not good if you don't pay the arrears by the repayment date. At the same time, we should also pay attention to remember the monthly repayment date to avoid overdue.

2. When using credit cards, you should also be careful not to handle too many credit cards to avoid the situation that you can't tell which one has been returned and which one has not. There are not many credit cards, so it is the same for us to increase the quota with one credit card according to the regulations.

Through the above information, we know how to check the total amount owed by credit cards. We see that everyone should be affected by credit card arrears. What are the precautions when using credit cards? I hope the above information can bring some help to everyone. Thank you for your attention!

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.