All ATMs with UnionPay logo can check the bank card balance, just insert the card, enter the password, and select the inquiry service according to the directory. When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Extended information In Hong Kong, credit card holders usually receive monthly statements every month. If the credit card holder uses the credit card to spend money in the current month, he/she needs to pay the minimum repayment amount on the monthly statement before the final repayment period on the monthly statement. Otherwise, the card issuing company has the right to add interest and administrative fees, or hire a debt collection company/credit center to collect money.

In Chinese mainland, there are corresponding consulting companies for credit card repayment, which can provide certain repayment strategies for cardholders, so that cardholders can get more intimate financial services by using credit cards.

Baidu encyclopedia-credit card