How to turn off the automatic deduction of credit cards

If the credit card has signed a deduction agreement with a third-party institution, the automatic deduction will be canceled as long as the agreement is terminated. The user refers to a credit card bound to a debit card, and the funds in the debit card are deducted every month for repayment. Then the user can enter online banking, mobile banking and other pages to cancel the automatic repayment function of the bank card.

Of course, it is generally not recommended to cancel the automatic repayment function of your debit card. After all, it is more troublesome for users to deposit money into a credit card on time, but a debit card does not require additional deposits, and it is relatively more convenient to pay back the money.

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. cost effective).

Swipe your card for consumption, collect existing points for some credit cards, and offer various discounts and lucky draws throughout the year, so you can always be surprised by using your card; (most credit cards do not have points for online payment, but online shopping payment is very convenient , quick).

Free monthly mailed statements, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements).

What should I do if Bank of China’s credit card is charged randomly?

How to handle objections to Bank of China credit card transactions:

If you have any objection to the transaction after receiving the Bank of China credit card statement, you can call the Bank of China credit card customer service hotline 4006695566 for inquiries.

The above content is for your reference, please refer to actual business regulations.

How to cancel the mandatory credit card deduction

To cancel the bank deduction business, you can bring the relevant documents to the bank branch to cancel, or you can cancel it through mobile banking.

First, log out of the bank mobile client. Major commercial lenders and state-owned banks now have mobile client apps. For example, after downloading China Merchants Bank on your mobile phone and logging in, you can see the relevant platform or payer bound to the card in "My-Security Center-Quick Payment Settings" and click to close it.

Second, cancel at the bank counter. Bank card holders need to go to the counter of the card-issuing bank with their ID card and bank card. The counter staff will cancel the bank card deduction for you after verifying your identity. To apply for this function, you need to bring your ID card and bank card to the counter. Only the bank or branch to which the bank card belongs can handle it. Other banks cannot process it.

Third, automatic bank card deduction means that you handle SMS services or other management items when applying for a bank card. Although it is convenient to use, the relevant fees will be deducted from your bank card, so you need to choose carefully.

Self-service payment refers to the services provided by electricity, communications, and banks. You can pay your own or others’ mobile phone bills, telephone bills, water bills, electricity bills, etc. through self-service methods such as online banking, telephone banking, mobile banking, and ATMs. cost. The service equipment provides 724-hour all-weather service, and under normal circumstances the funds will arrive on time.

You can choose national or local payment services, and you can check the payment transaction details of various services nationwide for which you pay online as our agent.

Notes on self-service payment:

1. When handling various payment services, your registered card will not be restricted by whether you have the right to transfer it out.

2. All payment funds will arrive in real time under normal circumstances. If there is any abnormality, please call the payer's service hotline in time.

3. When using mobile payment, the bank will transfer funds from the account of the default payment card when you register for mobile banking (SMS). The cumulative payment amount per day does not exceed 1,000 yuan.

4. If you need an invoice, please print it at an ICBC branch or self-service machine.

How to cancel automatic deduction of credit card

1. Steps to cancel automatic repayment of credit card: PC win7 operating system online banking → credit card → credit card inquiry → credit card information and settings → account settings ( At the bottom, click to bring up the drop-down menu)

2. → Self-service repayment status, modify → Active repayment.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Credit cards are deducted for no apparent reason

Under normal circumstances, credit cards will not be deducted for no apparent reason. After all, they are all officially issued by banks. If the customer's credit card is charged by the card-issuing bank and the customer does not know what the charge is, he or she can call the customer service staff of the card-issuing bank. It is possible that the annual fee will be deducted, and the customer will just need to pay attention to repaying the loan on time.

If it is not an annual fee, check to see if the money is deducted for any services you have opened. Or is it because the bill was not paid off on time after credit card consumption or cash withdrawal, resulting in interest, and because the credit card signed an automatic deduction agreement, the bank automatically deducted the money from the card.

Customers are advised to check whether the card has been stolen by others.

If there is a risk of fraudulent use, you must quickly lock the account, contact the bank for processing, and check recent transaction details to see which merchant the card was fraudulently used. And if the bank deducts money repeatedly or deducts it incorrectly, the bank will refund the wrongly deducted money after the customer reports the problem.

What is a credit card?

Credit card (English: creditcard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: billing date).

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

What’s going on with automatic monthly credit card deductions?

1. There are several possibilities for automatic credit card deduction:

1. After overdraft consumption, it will be automatically deducted from the balance on the repayment date;

2. The credit card used requires an annual fee, which will be automatically deducted from the balance when it expires;

3. If you have opened some banking services, and the payment is automatically due, it will also be deducted from the balance; For example: SMS reminder service.

If automatic deduction occurs, you need to check the bill: if you need to check the details of the past 12 months, you need to log in to his online bank to check. The specific steps are: Online Banking - Credit Card - Credit Card Inquiry - Just check the bill after it has been issued.

If you still have questions after checking, you can also call the service hotline of the corresponding bank to provide feedback. The customer service can further answer your questions based on your actual accounts.

2. Credit card repayment rules:

1. After handling the installment repayment business, when you pay off in advance, the interest generated in each installment also needs to be repaid. In other words, the handling fee for each installment of early repayment of credit card installments will not be canceled immediately due to early repayment. If you only pay off the amount after the repayment date, the bank will charge relevant handling fees and interest on the next repayment date. That is, the amount will still be deducted even after the balance is paid off.

2. Annual fees are one of the sources of income for credit cards issued by banks. Any credit card will generate annual fees.

The essence of annual fee exemption is that the bank will compensate the annual fee when the cardholder reaches a certain amount or number of times! Therefore, the bank will still deduct annual fees for credit cards that have not been used for a long time but have not been canceled, resulting in a situation where money will be deducted even after paying off the card. Credit card cancellation must be thorough. In addition to canceling the card, you must also cancel the account!

3. In an era where there are more and more cases of credit card fraud, you cannot ignore the risk when there are any suspicious deductions from your credit card! It is also very simple to eliminate it. Just check the consumption records in the bill, including POS machine, consumer merchant information, etc. If there is any problem, contact the bank immediately to freeze the account. After the new credit card regulations, you can get reasonable compensation even if your credit card is stolen, so you must not let it go.

Third, the bank card automatically deducts money. The inquiry methods mainly include online inquiry and bringing the bank card and ID card to the bank for consultation. The details are as follows:

1. Go to the bank branch Bring your ID card and card to inquire

2. Open online banking, and there are very detailed income and expenditure details in the account transaction details

Operating environment: Agricultural Bank of China 6.7.0

Reasons for bank card freezing

1. The bank card is a credit card (credit card). If it is frozen, it may be due to abnormal transactions on the credit card, such as malicious cash withdrawals, forged information, If the password is continuously incorrect, the bank card may be frozen by the bank

2. For bank cards that can be overdrafted, the bank will set an overdraft share based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your card. Bank card

3. The bank card is a debit card. If it is frozen, one is a wrong account freeze, which means that the bank mistakenly transfers more money to the depositor's account during the transaction, then the bank may One way to freeze many parts is judicial freezing. According to the relevant provisions of the law, judicial authorities can apply to banks to freeze bank cards due to the need to handle cases. Customs, tax authorities and other departments also have the right to freeze

4. No matter what bank card it is, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password, which is similar to freezing, but instead of freezing it for 24 hours, it will be automatically lifted after 5. Bank If your card expires and you do not apply for a new one, the bank will freeze your expired bank card after expiration

6. If the bank card is reported as lost multiple times in a row, the bank will consider it as malicious and will suspend the card. Freeze

This concludes the introduction on what to do with automatic credit card charges and what to do if there is a problem with credit card charges. Have you found the information you need?