Refund records for credit card purchases

Does the questioner want to ask "Where can I check the refund records for credit card purchases?"

1. First log in to the mobile banking to which the credit card belongs, click on the credit card to select transaction details.

2. Next, click Filter, select the transaction type, and click Return and Tax Refund.

3. Finally, click on the transaction description after purchase in the interface to query the refund record.

Where to check the money returned to the credit card through the original route

1. Bank branch inquiry

You can directly bring your credit card and ID card to the bank branch Ask the staff at the counter to apply to view the refund record of your credit card, so that you can see the money returned to your credit card.

2. Online banking, mobile banking/credit card APP query

You can also choose to log in to online banking, or mobile banking, or credit card APP, and then query the credit card statement to find out the relevant information. refund record.

What everyone needs to note is that if the money is refunded to your credit card before the bill date, the refund can be offset against the current month's bill; but if the money is refunded on the bill date If it is refunded to your credit card later, the refund cannot be used to offset the current month's repayment, but can only be included in the next month's bill.

Public card:

Public card is the lowest credit card issued by the card issuer. You can apply for it with proof of identity and employment. If you are applying for a credit card for the first time or if you are not very financially strong, you can try to apply for a regular card first. This type of card basically has no annual fee, or you can waive the annual fee if you swipe it enough times. The limit is generally less than 10,000 yuan.

Gold Card:

To apply for a Gold Card, in addition to meeting the basic requirements for applying for a credit card, you also need to provide certain proof of assets. The approval of the Gold Card is relatively stricter than that of the Regular Card, and the discounts and benefits enjoyed by the Gold Card will be better than those of the Regular Card. The limit is generally between 10,000 and 50,000. At the same time, the annual fee is higher than that of regular cards, but there are also opportunities to waive the annual fee.

Platinum Card:

Platinum Card is a credit card that mainly serves high-end users. The approval process is strict and requires an individual’s annual income of at least 200,000. Sometimes, it is also necessary to deposit funds at the card issuing bank. It is possible to handle it only if you have enough assets.

The special services of this card are concentrated in golf, airport VIP, free physical examination, mileage redemption, emergency support services, etc. Because of the high-end services, the annual fee can range from a few thousand to a few hundred. In addition, various banks have issued a lot of small platinum indiscriminately, which is also called "fake platinum". For example, CITIC’s i Platinum, GF’s Premium Platinum, etc. The platinum card basically waives the annual fee in the first year. In the second year, you need to swipe the card or redeem points. Please ask the customer service of each company for details.

Diamond Card:

Diamond Card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. It is a higher level than the platinum card and has higher requirements for the status of the card holder. Only successful people can apply for it. Therefore, the diamond card has a higher limit and can highlight the distinguished status of the cardholder. The cardholder is required to have an income of more than one million, and the limit is also in the million level.

Black card:

A black card is an unlimited card and does not have a "credit limit". Because the unlimited cards issued by various banking organizations are almost all black, they are generally referred to as 'black cards' or 'black gold cards'. Some people say that only by owning this kind of black card can the card owner's "noble status" be fully demonstrated.

Not everyone can have this card. Applications are not accepted. The card will only be issued if actively invited by the bank. Currently, only two domestic banks have black cards, China Merchants Bank and ICBC. It is reported that American Express’s black card owners are a very small number of 1% of the top customers. The high annual fee (about 10,000 yuan) has become an unimportant factor.

Titanium Card:

The grade of Titanium Card is actually determined by the bank itself. For example, Everbright Bank's Titanium Card is between the Gold Card and the Platinum Card. Some banks will call it Little Platinum, while others will call it Titanium Card. In fact, they are all the same, just with different names!

The titanium card can be a dual-currency card or a UnionPay card, it depends on how the bank wants to define it. As for the limit of the Titanium Card, it is naturally the bank that has the final say.

The above is the popular knowledge about credit card levels. The success rate of applying for a card is determined based on your income and property situation.

It is recommended that friends who are new to credit cards start with a regular card or a gold card. Although there are cases where you buy a platinum card for the first time, it is rare.

How to check credit card refund?

If the credit card bill has been paid off and a refund has occurred, the refund funds will be returned to the credit card account. This money can be used to pay off credit card debts, or to swipe cards, withdraw cash, and transfer funds. Cash deposited in a credit card account will become an overpayment. Some banks require a handling fee to withdraw cash from the overpayment. In this way, it will be more cost-effective for the overpayment to be used for repayment and credit card swiping.

In fact, when a refund occurs on a credit card, the refund will be restored to the amount before repayment, thereby offsetting the bill. Users do not need to repay this part of the refund amount.

A personal credit report is required for bank loans:

1. Bring your ID card or the ID card of the client and a power of attorney, and go to the credit inquiry window of the People's Bank of China where you are located to provide your ID card. Process printing of personal credit records;

2. Open the official website of the Chinese People’s Credit Center (Google Chrome version 3.3.2), register an account with your mobile phone number and ID card, and submit personal credit records in the personal inquiry column When applying for an inquiry, your mobile phone will usually receive an inquiry code from the credit reporting center within 72 hours. Open the official website of the Chinese People's Credit Information Center again and log in to register an account. Enter the inquiry code of the mobile phone text message in the personal inquiry column to check the personal credit information. At the bottom of the page, you can generate a PDF document to download and save.

Conditions for applying for bank loan business:

Natural persons aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not Over 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the loan purpose is legal;

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5. Meet other conditions specified by the bank;

6. If you meet the above conditions, you can apply for a loan at a local bank.

Required documents for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marriage issues;

4. Bank statements;

5. Proof of income or personal asset issues; 6. Credit report;

7. Purpose of loan Usage plan or statement;

8. Other information required by the bank. Required conditions for bank loans:

(1) A person who is over 18 years old and has full civil capacity, a permanent urban resident registration or a legal and valid resident identity certificate. Bank loans require that the borrower is usually between 18 and Between 60 years old;

⑵ Have stable legal income and the ability to repay interest;

(3) Have good credit;

(4 ) Other conditions required by the lending bank.

This concludes the introduction on how to check credit card refunds and how to check whether credit card refunds have been credited to the account. Have you found the information you need?