If it is determined that the money has been refunded to the credit card account, it is recommended to first check the credit card transaction details to confirm.

The easiest way to find out the details:

Take ThinkPad ", select "Credit Card Inquiry", and after entering the information as required, you can view the details of bills issued and unissued bills. Words such as "date" or "refund" or "return" often appear in the details of return transactions. .

If you still can’t find it after checking, on the one hand, you can confirm with the merchant whether a refund has been initiated to the bank. On the other hand, you can call the bank's service hotline to report the situation (sometimes the refund details have unclear description features, especially for overseas transaction refunds, which have fewer features and are difficult to identify). The bank can also help you check and confirm.

Extended information

How to use credit cards and precautions:

1. Protect the information on the credit card face

The most important thing is the credit card face. Three key pieces of information: card number, validity period, and CVV code. These three key pieces of information affect the security of your card use, especially the CVV code. It is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people are even more disgusted. , directly scratch off the CVV code with a razor blade, and keep those three numbers in mind.

2. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 20 or 25 days after the billing date. If you swipe your card one day after the billing date, it will be free of charge. The interest-free period is the longest. If you swipe the card one day before the bill date, the interest-free period is the shortest.

3. Choose the repayment method that best suits you

In this information age, repayment methods are diversified, and you don’t have to go to a bank branch or teller machine to transfer funds. Repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment, etc. Therefore, choose the method that suits you and repay in the fastest and most convenient way!

4. Only by swiping your card frequently can you avoid annual fees; only by paying on time can you increase your credit limit

Generally, if you use a credit card six times, the annual fee will be waived.

So be sure to pay off the annual fee. In addition, swiping your card more frequently can also increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. . And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

5. If your funds are not flowing smoothly, or your repayment is delayed due to something, you can call customer service to apply for an extension of repayment

That is, if your funds are temporarily unable to be circulated, or due to If something delays your repayment, don't worry, call the bank's customer service immediately and apply for an extension of one to three days. Generally, bank customer service will help you extend it! You can also transfer multiple credit cards. If you don’t know how to transfer, you can send me a private message.

6. What should you do if you are short of funds? Apply to change the billing date and extend the interest-free period

When applying to change the billing date, you should pay attention to calculating the billing date and enjoy the longest interest-free period. interest period to relieve the pressure of tight funds. However, this skill cannot be used every month. It is said that some banks can only apply for changes once every six months, some banks can only apply for changes once a year, and some banks can only apply for changes in a lifetime. Once!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on their credit card can call customer service, bargain with them, and apply to cancel the unreasonable charges, such as If the customer service disagrees, you can insist on complaining to the end, and you can usually win.

8. Use credit card installments with caution

Credit card installments have very high interest rates. Even if they are interest-free, the installment fees are not cheap. You need to use installments with caution and do not let the bank make a profit on itself. Cents! Of course, except for those who are unable to repay their credit card debts on time under special circumstances, and those who want to increase their credit card limit as soon as possible.

9. Try not to use it for cash withdrawals

Credit cards cannot be used for cash withdrawals. Unless you need an emergency, it is very urgent, otherwise I do not approve of credit card withdrawals. You can't afford the handling fees and interest! Remember, credit cards are used for consumption, not for withdrawing cash! If you need it urgently, you can communicate with the editor and I can recommend you a cost-effective way to withdraw it.

10. Pay attention to various credit card consumption traps

Be reminded to always pay attention to prevent various credit card consumption traps, such as the Haoxiangdai line provided by Bank of Communications, the Caizhijin provided by Guangfa, These are similar small credit loans with extremely high interest rates. If you are approached by a credit card specialist, you will be rejected. Anyone who borrows a credit card to sell insurance will be rejected!