How to print credit card statements
The method of printing credit card statements is as follows:
1. Go to the bank to print
Credit card statements can be printed directly Log in to credit card online banking, taking China Merchants Bank as an example.
Select the bill details to be checked in "Account Management" - "Issued Bill Inquiry". In the bill details, you can choose "Print" or "Download" "Bill; "Account Management" - "Inquiry on Unissued Bills" can also "Print" or "Download" the details of unissued bills.
2. Printing at branch banks
Cardholders can go to the counter of the bank branch to apply for printing of credit card statements. It should be noted that the bank's official seal is required after the credit card statement is printed. Effective, otherwise it can only be viewed and has no effect.
3. Printing from self-service equipment at branch banks
Nowadays, most banks have set up self-service equipment in order to improve work efficiency and facilitate customers. Customers can handle related businesses through self-service equipment. Self-service equipment You can directly check the bank card transaction details in the account, or print them out.
Operating environment:
Brand model: iPhone13
System version: iOS15.4
App version: v10.1.0
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay.
A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.
Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount.
In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.
Most banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .
How to check credit card consumption records?
Credit card consumption records can be queried through the following methods:
1. Query credit card consumption records through online banking. Log in to your personal online banking, find the credit card section, select the query period, and click Query.
2. Call the bank’s toll-free customer service hotline to check credit card consumption records and bill details. Each bank has a dedicated credit card customer service department. You can consult them, enter personal information, and check consumption records.
3. Check the bank’s monthly statement. The statement mentioned here comes in two forms. One is that the bank will send it to you by email, and the other is that the bank will send it to you as an electronic statement. In the email sent to you in the form, there are detailed consumption records in the statement.
You can call customer service to inquire. Online payment is a bit slow, but for safety, it is better to call customer service and ask.
You can also check your consumption records by following the voice prompts on the customer service phone! You can also check with the seller you paid to see if your payment was successful.
A credit card is a consumer credit certificate given to us by the bank. Generally speaking, as long as our personal credit report is good, we can apply for credit cards from many banks.
Credit cards have indeed made our lives more convenient, because they can help us solve problems when we are short of funds. It can be said that credit cards are a timely aid during our financial stress.
But I believe that many friends may overlook some very important details when using credit cards. Once we don't pay attention to these details, we may incur certain credit card fees. In this way, we will have an unpleasant card use experience when using credit cards. Now let’s take a look at the main four details that you must pay attention to when making credit card purchases.
First, never use POS machines to withdraw cash from credit cards. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1. For example, if our purchase price is 2,000 yuan, a service fee of 20 yuan will be incurred.
And some friends are too smart. In order to save cash withdrawal fees, I applied to open a POS machine myself, and then swiped the POS machine at home to cash out my credit card. You can use the machine to cash out multiple times, but if you cash out too many times, the bank will carry out risk control and may close your credit card consumption and cash withdrawal functions, and then the gain will outweigh the loss.
Second, do not use up your credit card consumption limit at once. This phenomenon does exist in real life. Some young friends are short of spending funds. No matter how much spending limit they have on their credit cards, they will try to use up the limit.
As everyone knows, this kind of credit card consumption method is not good for you. A credit card only has a limit of 10,000 yuan. If you use it up all at once, it is equivalent to an overdraft of 10,000 yuan. With such regular consumption behavior, the bank will think that you have the bad habit of excessive consumption, which will increase the risk of your funds. This will not have any promotion effect on increasing your credit card limit in the future, but may actually decrease it.
Third, don’t let overdue payments affect your personal credit score, and try to use the automatic repayment function of your credit card. We know that credit card spending is easy, but when it comes time to repay, it can become a bit passive. Many friends know their credit card repayment date, but on the day of repayment, even if the bank has sent a warm reminder to repay on time, credit card holders over 60 years old will still forget to repay.
Because the pace of life is too fast now, everyone’s life is under great pressure. There are many people who are too busy at work and have too many chores in life that forget to repay their credit cards. Therefore, you must bind your repayment bank account and activate the automatic repayment function of your credit card to avoid overdue payments.
Fourth, don’t let your credit card remain dormant while you pay the annual credit card fee. After some friends apply for a credit card, they rarely use it, and may not even make a single credit card purchase within a year.
Although I did not spend a penny, most banks have clear regulations: only when you use your credit card to make a certain number of purchases or a certain amount can you be exempted from paying annual fees. Because the former has been in dormant period for a year, it still has to pay annual credit card fees ranging from hundreds of yuan to the bank. In this case, instead of getting any consumption on my credit card, I will be burdened with the financial burden of annual fees. It is really dumbfounding.
How to view credit card bill details
Credit card bill details within 12 months can be queried/downloaded/printed through the popular version and professional version. Mobile banking and mobile life only support querying for the time being. The bill does not show the name of the counterparty.
Warm reminder: 1. Credit card statements cannot be printed at the counter and VTM. 2. If you have multiple credit cards under your name, the transaction records will show the last four digits of the transaction. 3. You can also call the credit card customer service hotline to enter manual service to inquire about your credit card bill.
The specific query method is as follows:
1. Palm Life: After you log in to Palm Life, click My → Check Repayment in the lower right corner, and in the personal consumption card account column, click Check Bill You can choose to view: current bills, unissued bills and historical bills. If you have any questions about the transaction, you can contact the credit card customer service phone number to have a person verify it for you.
2. Mobile banking: Log in to mobile banking, go to the homepage → Credit card → Bills to check the bills of the last 12 months, click on the month to see the details. If you have questions about the bill amount or a certain transaction, you can contact the credit card hotline for manual consultation. Mobile banking cannot download and print bills. It is recommended that you handle it through the public version or professional version~
3. Online banking (public version or professional version): After you log in to online banking (public version or professional version), click "Credit Card → Account Management → Unissued Bill Inquiry/Issue Invoice Inquiry".
The bill has been issued: click "Bill Details → Click to Download Financial Details", the printing format is PDF, with a special business acceptance seal.
Invoices not issued: Click "Download" or "Print" on the right side of the page. The printing format is Excel, with a special stamp for electronic receipts.
Warm reminder: Credit cards do not have a receipt printing function, and English bills are not provided; the printing format cannot be changed temporarily.
(Response time: October 24, 2020. For the latest business changes, please refer to the official website of China Merchants Bank)
How to check the historical bill details of your credit card
You can Check your account balance, bills and other related information through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, customer service hotline, outlets and other channels, and keep abreast of the current month's account arrears to avoid delays in repayment . If you need to inquire about bills or transaction details from a year ago, it is recommended that you call the customer service hotline 4006695566 and select the No. 0 button to transfer to manual service inquiry.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
This concludes the introduction to credit card details and how to check credit card details. Have you found the information you need?