Specific methods:

1. Customers can call the phone number displayed on the back of the credit card to the issuing bank, and directly ask the customer service staff about their card arrears through the manual service channel. The customer service staff of the bank will first verify the identity of the customer, and after confirming that the customer's identity information is correct, they will help with the inquiry, and then inform them of the specific amount of card arrears.

2. The customer can log in to the online banking of the bank to which the credit card belongs, click "My", and click on the credit card bill inquiry on the personal account page to know the specific repayment details of the card and the current debt.

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3. customers can bring their ID cards and credit cards to live in the business outlets of the card-issuing banks nearby, apply for inquiring about the card bill arrears at the service window, and give the cards and ID cards to the counter staff, who will make inquiries.

What is a credit card overdraft?

A credit card overdraft is a short-term overdraft given by the credit card issuer to the cardholder within the specified limit when shopping with the card. For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit credit cards, it should be "deposit first, then spend", but on the premise that it is determined to be an overdraft in good faith and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short period of time when the money is urgently needed. Overdraft interest is generally much higher than bank loans in the same period, and card issuers also have a set of measures to prevent and recover overdraft risk losses.

overdraft time limit and calculation:

the maximum overdraft period of a credit card is 6 days.

credit card overdraft interest shall be calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing or the date of bank account entry (inclusive), and at the rate of ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 3 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

Take the spending of 5, yuan by credit card as an example. If the period from the billing date to the repayment date is 45 days, and the cardholder has paid back 4, yuan on the repayment date, the remaining 1, yuan has not been paid back on time. If you hold a card of China Construction Bank or China Merchants Bank, you need to pay interest at five ten thousandths per day based on 5, yuan, and you need to pay overdraft interest of 1,125 yuan within 45 days; If you hold an ICBC credit card, you only need to calculate overdraft interest for the unpaid 1, yuan, and the overdraft interest to be paid within 45 days is 225 yuan, which is five times different. If the failure to repay on time is not because of the inability to repay, but because of the wrong memory, resulting in a small number of errors, the difference is even greater.

if the consumer overdraws in full and fails to repay the loan on time, it will incur overdraft interest and other expenses, which will lead to the amount of debt exceeding the limit. Because the overrun is caused by the cost of the credit card itself, some banks do not charge extra fees. For example, the Credit Card Center of CCB and China Merchants Bank both said that there is no provision for the overrun fee.

However, ICBC and CITIC Bank Credit Card Center said that if the amount owed exceeds the credit card limit, 5% of the overrun fee will be charged. However, ICBC said that it will only be charged once in an overrun period, while CITIC Bank said that the overrun fee will be compounded monthly.

if the cardholder uses the company card for overdraft, the company shall be responsible for the repayment of the overdraft amount and the payment of overdraft interest. If the cardholder overdraws by using the supplementary card of the personal card, the cardholder of the main card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest; If the cardholder of the main card loses the ability to repay, the cardholder of its subsidiary card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest.