1, online query:
Many banks have opened online channels to inquire about arrears, including but not limited to WeChat official account, online banking and mobile banking. Generally, you need to check the available credit cards after logging in, and then subtract the available credit cards from the total to get the total debt of the credit cards.
But this method is not very accurate, especially if the credit card is divided into stages, the total amount owed will include the service fee in addition to the principal, unless you write down both the principal and the service fee in stages, which is very laborious.
2. Telephone enquiry:
Directly dial the 24-hour service hotline of the issuing bank of each credit card, transfer to manual customer service, ask the customer service to help with the inquiry, and then add up the arrears found in each card for statistics, and you can get the total credit card arrears.
This method is the most accurate and convenient. It can be done with a phone call. If you have any questions, you can communicate directly with customer service. However, if there are many people, the line may be busy. It's best to avoid making phone calls during rush hours.
3. Counter enquiry:
Bring your credit card and ID card directly, check with the issuing bank outlets of each credit card, and then write down the debt of each card to get the total debt.
This method is also more accurate, and you can also communicate with the teller during the inquiry. However, if there are too many cards, it will be inconvenient for a bank to run, and it will take time and effort to queue up for business at the bank.
These are the three most common ways to check the total amount owed by credit cards. By comparison, it is not difficult to find that the most convenient and quick method is telephone inquiry. In addition to these methods, you can also edit SMS query, ATM query and so on. If you have any questions, you can directly call the customer service phone of the issuing bank to consult the customer service.