Bill adjustment refers to the process that the cardholder or card issuer asks the acquiring institution to read the transaction bill within a specified time because of doubts about the settled transaction. Usually, when credit card transactions are conducted during non-business hours, single card transactions are too frequent, the amount of single card transactions is too large, and other abnormal transactions such as transfer transactions can be initiated. So, how long does it usually take to adjust the credit card?

How long does it take to transfer the credit card?

Because the transfer business involves UnionPay, international organizations and other institutions, it will not produce results for a while, and if the transaction time is too long, it may not be possible to transfer money, and there is a handling fee for the transfer.

Take CITIC Bank as an example: If the cardholder's information has been fed back to CITIC Bank, CITIC Credit Card will apply to the acquiring bank through UnionPay (card organization VISA, MC, etc.). ), about 30 days. CITIC Bank will feed back the bill adjustment result to the cardholder as soon as possible, and the cardholder needs to pay attention to the contact information and the processing result of CITIC Bank.

Generally speaking, cardholders usually have questions about cleared transactions and ask the bank to confirm the inquiry; Generally, the name, address, business scope and other information of the merchant should be inquired first. If there are still objections to the process of obtaining transaction vouchers, the cardholder may refuse to pay if he has objections after obtaining the vouchers. If the rejection is successful, the issuing bank will return the voucher and return the funds to the cardholder.