If WeChat/Pocket Banking APP has been bound, Ping An Credit Card will avoid repeated prompts and will no longer send repayment SMS. If you need SMS prompt, you can call 955 1 1-2 to apply for opening manually (except platinum card, diamond card and those who have subscribed to trading tips SMS).
My credit card will be used this month. Why didn't you remind me to pay back at the end of the month?
Credit cards should arrive at sunrise first, and then arrive at the repayment date after a certain date, which may not be the billing date.
The bill has not been returned, or it may not be due to the repayment date. Even if the credit card is not used within a billing period and all the bills before the credit card have been paid off, it will not be reminded!
Why didn't the credit card prepayment appear?
Only the repayments after the bill date will be displayed, and the repayments before the bill date will not be displayed. You can download the corresponding app for inquiry. Some banks' interfaces are not displayed. Even if the payment is made, the amount payable on the bill will not change. At this time, you can check the unpaid bills and see if there is any repayment record.
Credit card prepayment
Credit cards can be repaid in advance, and there is no need to pay other extra interest and handling fees. After repayment, the credit card limit will be restored immediately. However, if the credit card has been repaid in installments, you need to pay a certain installment fee if you want to repay in advance. In this case, there is an extra charge.
Only the repayments after the bill date will be displayed, and the repayments before the bill date will not be displayed. You can download the corresponding app for inquiry. Some banks' interfaces are not displayed. Even if the payment is made, the amount payable on the bill will not change. At this time, you can check the unpaid bills and see if there is any repayment record.
Why is prepayment by credit card taboo?
1, the handling fee is high.
Only users who repay in full and on time can win the favor of banks, and most banks regard prepayment or overdue repayment as a breach of contract and need to pay liquidated damages to them. Of course, the pre-agreed handling fee is still charged, so the card friend needs to pay an extra fee to the bank when choosing to repay in advance.
2. Credit cards have decreased.
Banks approve credit cards for cardholders in order to bring more benefits to themselves. If repayment is always made in advance, banks will question customers' consumption demand. Therefore, in order to avoid wasting resources, banks will generally take measures to reduce the amount, which will adversely affect future credit card withdrawals.
3, affect the future application for loans or card results.
Whether it is a loan or a credit card, the purpose of lending institutions is for users to use. However, if the user only uses it for a short time and then repays it, the income of the credit card cannot be maximized. Then, in the face of such users submitting loan or credit card applications again, lending institutions will generally take refusal measures.
What should I do if I don't receive a text message after credit card repayment?
First of all, you can call the customer service phone of the bank to which the credit card belongs.
2. You can log in to personal online banking of credit card for inquiry. Take China Merchants Bank as an example. The query method is as follows:
1. Open Baidu search, enter "China Merchants Bank" in the search bar, find China Merchants Bank official website after the search and click Enter.
2. After entering China Merchants Bank official website, find the item "Personal Banking Popularization Edition" and click Enter.
3. After entering the popular version of personal banking, enter the corresponding information to log in.
4. After logging in successfully, find the "Account Inquiry" item under account management, and click Enter.
5. After entering the account inquiry, you can know whether the repayment is successful by checking the remaining payable amount in this period.
Today is my credit card repayment date. Why didn't the bank send me a message?
There may be a problem with the SMS reminder service:
Have you checked with the bank's customer service and asked clearly?
If users receive short messages from time to time after opening the SMS reminder service in the bank, it is suggested that users consult the customer service staff of the bank first to see if it is because of the arrears. If it is not the problem of arrears, the user can find the reason from the self-checking mobile phone number.
There are two reasons why you can't receive a message when you open a bank card: self-check, the system didn't send you a message:
(1) You have cancelled the bank account change notification service, so the system did not send the account change notification SMS.
(2) Due to the failure to pay the account change notification service fee in time within the grace period, the system has suspended sending the account change notification SMS to the customer.
Second, your mobile phone can't receive SMS:
(1) The mobile phone may be unable to receive new messages due to too many short messages and insufficient memory space.
(2) The mobile phone number is in arrears with the operator's communication fee, and the service may be suspended by the operator to which the mobile phone belongs, resulting in the mobile phone not receiving short messages permanently.
(3) The short message sending network signal of operators in this area is poor or their network is blocked, resulting in the loss or delay of short messages.
A Trojan horse intercepted your message. Because now the basic way for hackers to steal bank cards or Alipay is to intercept verification code messages sent by Alipay or banks.
The SMS notification service of bank card has been opened, but I still can't receive SMS. It may be because there is no transaction, or the transaction amount has not reached the initial amount of SMS notification. You can try to trade a few large self-help, if not, you can go to the bank outlets to consult the bank account change notification service that has been self-cancelled. Therefore, the mobile phone may have saved short messages, resulting in insufficient memory space to receive new information. It may also be that the mobile phone is in arrears and the service has been suspended by the operator. If you cancel the bank account change notification service, you will not receive the bank account change information.
This is the end of the introduction about why there is no prompt for credit card repayment and there is no repayment by credit card. I wonder if you have found the information you need?