Many cardholders may ask for proof of consumption to verify the use of funds after handling the cash installment of credit cards, or in the case of abnormal transactions and wind control of credit cards. Many card friends don't know much about credit card coupons, don't know what credit card coupons are, and don't know how to get credit card coupons. Let's have a look.
1. What are the credit card vouchers?
There are many kinds of credit card coupons. Generally, as long as the cardholder uses the credit card in daily life, all kinds of vouchers provided by the merchants can be used, including: purchase orders, invoices, renovation contract, screenshots of online transaction orders, medical vouchers, screenshots of transfer, debit card bills/Alipay bills, air tickets, tickets, travel itineraries, tickets for scenic spots, etc.
It should be noted that no matter what kind of proof of consumption, it must be consistent with the date of consumption, otherwise it will be considered invalid by the bank and you need to provide it again.
Second, how to obtain credit card consumption vouchers?
Usually, you don't need to do it deliberately. If you use a credit card to spend money on a POS machine, a shopping list will be printed automatically. If you shop online, some merchants will mail contracts and invoices, so you just need to keep all the vouchers you receive and submit them directly when the bank wants them.
Of course, some card friends may lose their consumption vouchers. When the bank asks for them, they can take the initiative to explain to the bank that they have accidentally lost the invoice or purchase order to see if the bank can let you pass; Or if there is no receipt, you can also tell the bank that the merchant has a discount and does not invoice.
However, it should be noted that if the provided consumption voucher fails to pass the bank's audit, the bank may not only require full repayment, but also reduce the credit card limit or seal the card. If this happens, you can try to communicate with the bank. If the communication fails, cancel the credit card after paying off the debt.
Finally, I want to remind you, even if you don't have a proof of consumption, don't ask someone to write a fake invoice on your behalf. Doing so may directly put you on the blacklist of the bank, and you may be directly rejected for handling various businesses of this bank in the future.
How to get the coupons?
Usually, the consumption voucher refers to the credit card consumption voucher, which can be obtained by printing a purchase order after consumption through a pos machine, and can also be used as a consumption voucher, a transaction contract, etc. However, the transfer record cannot be used as proof of consumption. When a cardholder uses a credit card to spend money, the merchant will provide various vouchers and submit the user's receipts and invoices, but the consumption vouchers must match the date, otherwise the bank will consider them invalid.
What is the proof of consumption?
Consumption voucher usually refers to the relevant receipt or invoice voucher obtained by consumers after consumption, but when users can't obtain a valid invoice when spending online, they can use it as their consumption voucher according to the consumption process.
Consumer vouchers are not always in the form of invoices. Online payment has replaced most payment methods, and most of them are electronic vouchers. Therefore, the consumption screenshots in Alipay, WeChat and other software can be used as consumption vouchers, but the user's private transfer records can't be used as consumption vouchers, because it can't explain the final use of consumption.
What should I do if I need to provide proof of consumption when spending by credit card?
Credit cards need to go to the bank to provide proof of consumption. According to relevant information, the consumption voucher is a receipt or invoice after consumption. If online consumption cannot issue a valid invoice, you can use the consumption flow as a consumption voucher. Or go to the bank to write it out.
How to get a credit card voucher?
The consumption voucher of credit card is the invoice or receipt of the user in the daily consumption process, such as the invoice of shopping mall and the receipt after swiping the card by pos machine. As long as you use a credit card, these are all credit card vouchers. Therefore, users can keep it.
Of course, the receipt of the pos machine has not been opened or lost, so you can reprint it with the pos machine. But if the invoice is lost, it will be very difficult, or sometimes, consumers simply don't want the invoice for a discount. If this happens, the user will take the initiative to explain to the bank that the invoice or receipt has been accidentally lost for some reason, and see what the bank can do.
Usually, these credit card vouchers are not used, but in the process of daily use, credit cards are used abnormally, resulting in credit cards being controlled by the wind. In this case, the bank will ask the consumer to provide proof of consumption. Therefore, when users use credit cards daily, as long as there is no violation, they don't need coupons.
If it is really lost, and the bank requires the user to provide proof of consumption. At this point, the user can explain to the bank first, if this is not possible. If there is no credit card debt, you can consider canceling this card and choosing another bank's credit card.
But if you use a credit card, doesn't the bank have a consumption record?