Taking the recruitment behavior as an example, the inquiry method of credit card repayment records of China Merchants Bank:
1. Huawei Glory 50 (Android system) can log in to China Merchants Bank Credit Card official website for inquiry through online banking, provided that you have opened China Merchants Bank online banking. Thirdly, after entering the page, click "Online Banking Login" on the right, and enter the ID number, inquiry password and additional code to log in to the online banking for viewing. The line will be restored in real time after repayment. You can check the restoration of the line.
2. When spending with China Merchants Bank's credit card, you can see the details of outstanding bills and issued bills.
The so-called unpaid bill details are usually the consumption details from the next day of last month's billing date to this month's billing date, and there should be a formula for last month's repayment, so that you can know your repayment situation last month. In the bill details, you can query the bills of the past 12 months, in which the repayment situation (formula) of the current month will appear every month.
How to check the repayment amount of credit card:
First, check the SMS prompt:
After credit card consumption, you will receive the information from the bank credit card statement to confirm the repayment amount. If you use a third-party platform for credit card repayment, you will also receive repayment confirmation information from the third-party platform.
2. Billing online banking can be queried:
You can check the credit card repayment amount according to the credit card bill or online banking, and at the same time, you can find the last repayment date and current transaction details. If you want to query the unposted transaction details, log in to the bank credit card online banking to query.
Third, ATM machine query:
After the credit card is consumed, insert the credit card into the ATM with the UnionPay logo, and check your account information, then you can check the repayment amount according to the available amount.
4. Telephone banking inquiry:
Check the repayment through the bank credit card customer service hotline, regardless of time and place. You can query your available balance through your own voice, or you can manually query whether the repayment is successful.
Verb (abbreviation of verb) Third-party repayment platform query:
The third-party repayment platform is only suitable for you to use the third-party platform to inquire whether the repayment is successful. Log in to any repayment channel you use to check the repayment record and status.
Take Tenpay's credit card repayment as an example. After logging into Tenpay's account, you can check the credit card repayment according to the date and transaction number. Click to inquire about quick money credit card repayment, Alipay repayment and Tenpay credit card repayment.
Where can I check the credit card repayment record?
Credit card repayment records can be inquired through online banking, telephone banking, credit card bills and other channels. Take online banking as an example. After logging in to personal online banking, users will find the credit card column, then find the credit card bill, and click Query Bill to display the paid and unpaid amounts.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.
The repayment methods of credit card in the issuing bank include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "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 the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How to check the monthly repayment of credit cards?
Credit cards have two key dates that you must master, one is the billing date and the other is the repayment date. If the repayment date is exceeded, you will not only have to pay a late payment fee (0.5 ‰ per day), but also affect your personal reputation.
There are several ways to check the monthly credit card debt:
1. On the billing date or the next day of each month, the bank will send a text message to remind the current bill amount, minimum repayment amount, repayment date, etc.
2. You can call customer service for consultation;
3. You can log in to the credit card official website for enquiry;
4. You can pay attention to methods such as WeChat official account inquiry;
You can find the full repayment amount of the credit card on the bank APP on your mobile phone.
Take Shanghai Pudong Development Bank as an example to discuss the specific operation steps;
1. Download a Pudong Mobile Banking APP in the mobile application supermarket.
2. After the installation, open the application and select my credit card on the home page.
3. After entering the credit card center, you will be prompted to log in, enter your own information, and click Login.
4. After logging in, you will automatically jump to the credit card center. At this point, you can see the words remaining payables at the top of the page. The data shown here are all your repayments.
5. Click on the remaining account to see the detailed bill of your credit card, and you can clearly see your credit card bill.
You can also inquire by repayment. Take Alipay as an example. The method is as follows:
1. Open the Alipay APP application on the (Huawei P40) mobile phone operation interface.
2. After entering Alipay, click "More" to enter.
3. Click the "Credit Card Repayment" option after entering.
4. After entering, select a card to check the repayment record.
5. After entering, you can see the repayment record of this card.
Consequences of overdue repayment of credit cards 1
After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.
Except for ICBC, the other 12 banks still carry out full penalty interest. Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths. In addition, some banks stipulate that interest shall be calculated at five ten thousandths within 15 days from the bookkeeping date, ten thousandths after 15 days, and fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit. The longer the default time, the higher the penalty interest.
For example, suppose Miss Li's billing date is 10 every month, and the last repayment date is 28th. On June 1 1 day, she spent 1000 yuan. On July 28th, when Miss Li was short of money, she paid the minimum repayment amount 1000 yuan first. Then the recurring interest expense on the bill on August 10 is: 10000 yuan ×0.5‰ (July 28th to June 1 1) (10000 yuan ~ 1000 yuan).
If the cardholder fails to pay off the minimum repayment amount, in addition to the circulating interest charges, there will be a late payment fee, which is calculated at 5% of the unpaid part of the minimum repayment amount. If Miss Li only pays 500 yuan back, the late payment fee is (1000 yuan ~500 yuan) ×5%=25 yuan. In this case, the circulation interest expense will rise to 296.75 yuan, and Miss Li's total penalty interest this month is 3,265,438 yuan +0.75 yuan.
Consequences of late repayment of credit cards II
Violent collection of legal credit cards has become a hot topic, and many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers.
Not only that, customers who breach the contract may also face legal problems. According to the criminal law, if a bank fails to repay a credit card with a malicious overdraft exceeding 5,000 yuan after three months of collection, if the circumstances are serious, it can be investigated for criminal responsibility for this crime. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.
Consequences of late repayment of credit cards 3
Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in this system. The "stain" in this report can't be ignored. It will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years. 20 12, 1 1, the new personal credit report of the central bank was launched, and the credit card and loans overdue situation before 2009 1 were no longer displayed, and the overdue records were retained for 5 years thereafter. This move means that the public's overdue negative record is no longer accompanied by a lifetime. If you can repay in full and on time within five years, your credit can be cleared.
Tips: As a new payment method, credit card is also the simplest financial management method for consumers. Although overdraft consumption can reduce the financial pressure of cardholders' daily consumption, cardholders can easily become slaves if they are poorly managed or have no good financial management concept. Bian Xiao suggested here that consumers should be cautious when the bill pressure is too high. They can apply to the bank for installment payment or apply for deferred repayment and extension of installment to relieve the pressure. At the same time, they should reflect on whether their consumption patterns are healthy and reasonable in time.
2065438+April 2006, the central bank issued the Notice on Matters Related to Credit Card Business, which increased the market pricing attributes of credit cards and diversified the rights and interests of credit cards. The most important point is that the liquidated damages no longer bear interest.
How to inquire about credit card repayment records
If you want to check the repayment records of credit cards, you can do so 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 inquire about the repayment record or turn to manual inquiry;
2. Inquire at the issuing bank outlets: go directly to the nearby issuing bank outlets, then queue up to get 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 and the inquiry methods are also inconsistent, it is necessary to find the relevant options for credit card inquiry.
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: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Network repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Make an 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. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Guimiantong
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
Lacarra
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.
Xinfutong
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
Intelligent repayment
The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.
How to read the introduction of credit card repayment? Let's stop here.