Credit cards can be credited after 12pm. If you subscribe to SMS reminders, you will be notified by SMS.

1. The credit card payment time is T+1, and the payment will be received on the second working day. (Swipe your card on Fridays, Saturdays and Sundays, and the account will arrive on the following Monday. During national holidays, the account will be delayed until the first working day)

D+1, the account will arrive on the second calendar day (regardless of the time) Weekends and holidays)

D+0, real-time or same-day payment. From a time perspective, try not to swipe your card before 7 a.m. or after 12 midnight, or it is okay to make an occasional nightclub purchase, but do not swipe your card frequently during this time period, otherwise the bank will default it to cash out; you will be Reduce the limit or block the card; from a usage perspective, it is most cost-effective to pay on the second day of the billing date because you can enjoy the longest interest-free period.

Second, the credit card payment did not arrive. Common reasons:

The merchant did not receive the receipt text message and considered the settlement unsuccessful. This situation is very common and is a common problem for some merchants. It's best to check your bank card to see if it has been received in your account.

Determine whether it is a unilateral account. The so-called unilateral account refers to a failed transaction. Although the customer receives the debit information, the money will not be paid to the merchant and the bank will refund the money to the cardholder. When the card issuer feeds back to UnionPay or UnionPay feeds back to POS, if the signal is terminated, POS will not receive the feedback signal, but the deduction information has been sent at this time, causing the cardholder to receive the information and POS not to place an order. At this time, correction operations need to be performed on the POS machine, and the card amount must be returned to the cardholder before proceeding with the card transaction.

The customer changed the settlement card or the settlement card was bound incorrectly. Both situations are very rare. Generally speaking, if the settlement card for the first transaction is incorrectly bound, this will not happen if it has been successfully received before. In addition, cardholders sometimes replace or report the loss of their settlement cards without knowing that the payment company has settled with them. This is to check the settlement card information to see if the bank has really not arrived.

Three, if the settlement method is T1. Today is the second working day and the holiday will be postponed. Because there are several days of accumulated transactions and a large amount of data, the arrival time after the holidays will generally be relatively late, so just wait patiently. In addition, after 8pm, card swiping is likely to be counted as a transaction on the next day and a payment on the third day. The reversal transaction failed. Sometimes, cardholders will receive deduction information after swiping their card, but the POS machine will not issue a receipt. In fact, the transaction was unsuccessful. Under normal circumstances, cardholders will receive fund return information within 48 hours, so the merchant will not receive a credit. The POS payment company did not settle the payment for the merchant. In other words, the bank has settled the card payment to the payment company, but the payment company has not yet settled the account to the merchant.

Fourth, special attention: This situation can only occur in the second clearing payment company. The first clearing payment company is supervised by the People's Bank of China and UnionPay. Because it is supervised by the People's Bank of China and UnionPay, it cannot The same thing happens. At this time, you need to determine whether your POS machine is the POS machine of Erqing Payment Company. If there are other machines, it is recommended that you carefully confirm and use them. 7. There is also a relatively rare situation where the funds have been settled to the customer, but the customer does not know that the payment company has settled the payment to him because the settlement card has been changed or the settlement card has been reported lost. Check the settlement card information to see if the payment has not been received by the bank.