No. If the user finds that there is a transaction in the statement that is not his or her own, he or she can call the customer service of the card-issuing bank.

Currently, credit cards can only collect money through the following methods:

1. Annual fee: Most credit cards have an annual fee, and the deducted annual fee will be added to the cardholder’s balance sheet. The repayment amount will appear on your statement the next time you make a payment. However, many banks have introduced credit card annual fee-free policies. Cardholders can be exempted from annual fees as long as they reach the number of credit card swipes.

2. Value-added services: If the cardholder has opened the bank's value-added services, such as SMS reminder service, it will also be added to the cardholder's repayment amount and automatically deducted from the credit limit. .

3. Overdue: When the credit card is overdue, the bank will charge late payment fees and penalty interest. For example, if the China Merchants Bank credit card is overdue, the late payment fee will be charged at 5% of the unpaid minimum repayment amount, and the penalty interest will be charged at 0.05%. That is, all consumption in the current period is calculated from the billing date until the cardholder pays off all.

4. Overdraft cash withdrawal: After the cardholder overdrafts, the bank will charge 0.05% interest on the cash withdrawal amount and a withdrawal fee.

How to calculate credit card repayment time?

The credit card repayment time is the last day for interest-free repayment of the credit card. If the user repays on the repayment date, it will be regarded as normal repayment. However, failure to pay in full or select a minimum payment will be considered overdue. Simply put, after the card issuing bank issues the bill, all previous charges should be paid off before the due date.

Article 9 of the "Interim Measures for the Management of Personal Loans" stipulates that the lender should establish a reasonable income and debt repayment ratio control mechanism for the borrower, taking into account the borrower's income, liabilities, expenditures, loan purposes, guarantees and other factors, Reasonably determine the loan amount and term, and control the borrower's repayment amount in each period not to exceed its repayment ability.