the issuing bank shall be notified immediately by telephone or in writing, and the name, account number, type of error, date, amount and data evidence shall be indicated in the notice. The issuing bank will investigate and correct any errors; If there is no mistake, the reason will also be explained to. During the investigation, there is no need to pay the disputed amount.

I also want to carefully check every credit card transaction this month. I can look it up directly on the bank APP or in the background of UnionPay China Unionpay Quick Pass APP, and compare the receipt and signature kept during consumption to find out the consumption with objections.

the issuing bank will investigate the information after receiving it, and will correct it if it finds out that there is indeed an error; If there is no mistake, it will also explain clearly to the cardholder the reasons for objecting to consumption.

Extended information:

The personal credit report of bank card bill is based on the record of borrowing between individuals and banks, which reflects the basic situation of past business transactions. If individuals do not have credit reports, it is difficult to borrow from banks;

after the cardholder reaches the total overdraft of the credit card, the additional overdraft granted by the bank is generally 1% of the original overdraft. This has the advantages that: the cardholder does not need to temporarily apply for a higher quota or cannot swipe the card; The disadvantage is that the cardholder has to pay an overrun fee of 5% over the overdraft limit.

Baidu Encyclopedia-Credit Card Billing Day

Baidu Encyclopedia-Bank Running Bill