How to check the repayment records of credit cards
You can check the repayment records of credit cards in the following ways:
1. Telephone banking inquiry: You can call the credit card customer service hotline of the issuing bank, and then follow the voice prompts to check the repayment records or switch to manual inquiry;
2. Inquire at the issuing bank outlets: go directly to the nearby issuing bank outlets, then queue up with the number and explain the purpose to the staff;
3. online banking/mobile banking inquiry: because the mobile banking/online banking pages of various banks are inconsistent, the inquiry methods are also inconsistent, so it is necessary to find the relevant options for credit card inquiry.
The common credit card repayment methods in China mainly include the following categories (according to the cost level):
Intra-bank repayment
The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
mobile phone repayment
the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!
convenience store repayment
convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
Online repayment
The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.
Inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.
Counter link
Counter link refers to the bank card issued by various networked financial institutions, which conducts RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.
Lacarra
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.
xinfutong
"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by the inter-bank information exchange network of China unionpay.
Repayment Pass
Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.
Intelligent Repayment
A new industry, its main function is to make a good consumption and repayment plan by using the balance of about 5%-1% in the card, and then carry out automatic recycling consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. Its basic functions include bill management, local payment and free card application.
how can I find out that my credit card has been repaid?
You can use Alipay (Apple 12, ios14, Alipay version 1.2.3) for inquiry.
1. After successfully logging into Alipay wallet, click the service window tab below Alipay wallet. On the service window interface, we find the service reminder, and then click to enter the service interface;
2. In the service reminder interface, you can see the reminder of the credit card repayment transaction record of Bank of Communications, and click to view the details;
3. In the details of the bill, you can see the progress of the credit card repayment of Bank of Communications. At this time, the repayment is displayed. Click Repayment to see when the repayment will arrive.
4. In the repayment status interface, you can see the time of credit card repayment and the expected successful time of credit card repayment;
5. You can wait for a while and look at the credit card bill details interface. At this time, you can see that the credit card repayment is successful;
Credit card withdrawal skills:
1. Credit card withdrawal usually takes a period of time. Generally speaking, it takes 3 months or more to apply for withdrawal for the first time, but the regulations of different banks are different. It is best to contact the card issuing bank to confirm clearly.
2. After the first withdrawal is successful, it will take some time for the second withdrawal, usually three months before the application can be made, and some banks stipulate that it is six months.
3. If you want to withdraw the amount successfully, you should not have any bad behaviors such as overdue during the card use period, and you should keep a good credit record. In addition, understanding the preferences of the bank is also a key point to increase the success rate of withdrawal.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
How to check the repayment records of credit cards
You can check the repayment records of credit cards in the following ways:
1. Telephone banking inquiry: You can call the credit card customer service hotline of the issuing bank, and then follow the voice prompts to check the repayment records or switch to manual inquiry;
2. Inquire at the issuing bank outlets: go directly to the nearby issuing bank outlets, then queue up with the number and explain the purpose to the staff;
3. online banking/mobile banking inquiry: because the mobile banking/online banking pages of various banks are inconsistent, the inquiry methods are also inconsistent, so it is necessary to find the relevant options for credit card inquiry.
there are two ways to check whether your credit card has overdue records, one is through the bank's APP, and the other is through the credit report. There are also three ways to inquire about personal credit information. Next, I will explain it to you from the following points.
1. Inquiry method
(1) Bank app inquiry: You can log in through the bank APP to check the repayment record of this bank card. If it is overdue, it will be marked by mobile banking.
(2) Inquiry of credit report:
At present, there are three ways to inquire about credit. The first way is to go to an offline institution (credit center) of the People's Bank of China or a bank outlet with a credit inquiry machine, and you only need to bring your ID card. The second way is to register relevant information and apply online through the official website of the Credit Information Center of the People's Bank of China, and you can download it with the extraction code sent by your mobile phone the next day. The third is to inquire through the APP of commercial banks, but at present there are fewer banks that open this function.
Choose the first one, which is a free printed paper version, and it is more detailed than the other two query versions. The first query method is recommended first.
Second, how to check whether there is any overdue
The bank will check whether there is any problem with your credit information, mainly to see whether there is any overdue:
The credit information will clearly show whether you have been overdue, how many overdue periods and how much overdue amount. Some loan banks will make an exception if you think that your credit card is overdue for only one or two days and the amount is only a few tens. If it is other overdue and the amount is large,
Some people often go online to apply for online loans and credit cards, and whether they pass the examination or not, they will leave an inquiry record on their credit information, and banks attach great importance to this record. Banks will think that they apply for such loans in large quantities, think that you are short of money, and will refuse your loan request.
In short, setting your own repayment plan reasonably, using credit cards rationally, setting reminders to repay in time, and keeping good repayment records are also the correct means to maintain your own good credit information.
how to inquire about the introduction that the credit card has been returned? Let's stop here.