The credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and it can also be used to swipe the card, withdraw cash and transfer money. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to repay and swipe the card with overpayment.
In fact, credit cards will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill. The user does not need to repay the refund amount.
Personal credit report is required for bank loans:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open China People's Credit Information Center official website (version 3.3.2 of Google Browser), and submit an application for personal credit information record in the personal inquiry column with the mobile phone number matching the registered account number of the ID card. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
Conditions for applying for bank loan business:
Natural persons aged between 18 and 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank;
6. If the above conditions are met, you can apply for loan business at the local bank.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
(2) proof of permanent residence or valid residence and proof of fixed residence; 3. Proof of marital problems;
4. Bank flow;
5. Proof of income or personal assets; 6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank. Requirements for bank loans:
(1) 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is usually between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
Where did the money returned by the original way after Guangfa Credit Card consumption go?
After CGB credit card consumption, the money returned in the original way will go to the original payment card. After the credit card refund is successful, the money will be returned to the credit card account used for payment. As for how long it will take, it depends on the processing speed of the bank. Different banks have different hours. However, the general credit card refund cycle is within 1~ 15 days, and the refund will usually arrive in 3~7 days. However, since the refund operation is initiated by the merchant, the specific refund time shall be subject to the reply of the merchant. If the merchant initiates a refund, the funds will be returned to Guangfa Credit Card in the same way.
If the credit card has SMS service to remind the balance change, the bank will send SMS notice after the refund arrives; In addition, if you pay attention to the official account of bank credit card WeChat and bind the credit card, then the official account of WeChat will also remind you to collect money in real time.
If you find that the credit card refund is successful, but it hasn't arrived yet, don't panic. You can do it in these ways:
1, depending on whether the specified arrival time is exceeded, the holiday arrival time may be postponed. It is best to check the credit card bill;
2. If you don't receive the account within the specified time and can't find the account on the credit card bill, you can call the credit card customer service for help.
In most cases, credit card refund will restore the limit in real time, but there are exceptions. For example, if the credit card is used later, the credit card refund will offset the later consumption amount, which may give people the illusion that it has not arrived. This needs attention.
Do I have to pay a credit card refund?
Some card friends think that there is no need to return the credit card after the refund, which is not necessarily correct. Usually, there are two situations according to the time after the refund is received.
1) If the refund arrives before the bill date, there is no need to repay in this period, and this refund of consumption amount can offset the arrears in this period;
2) If the refund is received after the bill date, it must be repaid in the current period, and the amount of this consumption refund can only be deducted from the next arrears;
How to check whether the credit card has been refunded successfully?
If the credit card refund is successful, you can pay attention to bank SMS and bank card quick payment. Refund returned to AliPay.
To inquire about the refund, you need to log on to the bank website or go to the bank ATM to inquire and pay Alipay.
Inquiry on Credit Card Consumption Records of CITIC Bank:
1. Inquire about the credit card consumption records of CITIC Bank by SMS:
2. Click on the consumption inquiry record to inquire about the credit card consumption record, and inquire about the credit card consumption record of CITIC Bank through online banking: log in to the online banking of CITIC Bank to check the bill details.
3, bank counter query, bills (SMS query does not need to pay extra)
The refund was successful, and the refund time is uncertain. You can pay close attention to the transaction records. You can find it in your credit card transaction record.
In addition, the funds paid at that time were written off. Generally, it takes 3-7 working days for the refund to arrive, and mobile online banking or computer online banking will do!
Refund to the credit card does not mean that there is cash in the card, but only means that the system has passed the audit.
If you have any other questions, please contact official website Customer Service directly.
As long as the refund is successful, the credit card can be returned within three days. You can view the refund details by opening the order details, which will show the last arrival time of your credit card.
The refund process of credit card tickets purchased at 12306 is as follows:
At the same time of refund, it is recommended to pay attention to the time when the funds are returned to the bank card, which is generally 2-7 days.
There will be no SMS notification after the credit card arrives. Don't judge whether the funds have arrived by whether you have received SMS.
The specific arrival time is subject to the bank.
If the status of the bank card is abnormal and it is cancelled, if it is unsuccessful, the bank card will return the balance of Alipay account.
At the same time, pay attention to the balance of Alipay account and the funds of bank card.
Bank credit card refund can be directly inquired in the unbilled bill.
If it doesn't arrive in two days.
After the refund is successful, you can check it in the unpaid bill of the letter of credit.
After Taobao's refund is successful, the money will generally be returned to China Merchants Bank's credit card within two days.
If you use China Merchants Bank to shop in Taobao, you can call the bank's customer service. If there is a refund, the money paid will be refunded in the original way. After the refund is successful, click on my Alipay. The money will not arrive immediately, but it can also be the mobile phone number. If you have no money, you can check whether there is any money in your Alipay. If you have a credit card, you must have Alipay. You can recall that when you registered Want Want's name, Alipay was already generated at the time of registration, so don't worry. In addition to Alipay, there are two channels for Taobao to pay back the money, that is, to pay back the credit card. Maybe you don't remember which one.
You log on to my Taobao, and one of these two is your Alipay. As long as the Want Want account is registered, what is it registered with?
Credit card purchase refund record
Does the subject want to ask "where can I find the refund record of credit card shopping?"
1. Log in to the mobile banking where the credit card belongs, and click on the credit card to select the transaction details.
2. Secondly, click Filter, select the transaction type, and click Return to Tax Refund.
3. Finally, click the transaction description after purchase in the interface to query the refund record.
How to check the credit card refund?
If you use China Merchants Bank credit card, please log in to the credit card official website, click "Online Banking Login" on the right and enter your ID number, inquiry password and additional code. After logging in to online banking, select the bill details to query in Account Management-Bill Query to query the bill amount and details. If there is a refund in your account, you can check it in your paid bills and unpaid bills, and the refund is shown as a negative number.
To set up automatic credit card repayment, you can open Alipay wallet, click on credit card repayment, and then click on the triangle below the credit card to see the opening of automatic repayment, and click Open Now. You can set up automatic credit card repayment in Alipay.
The specific steps are as follows: 1. First, open Alipay wallet and click "Credit Card Repayment" on Alipay wallet; 2. After entering the "Credit Card Repayment" page, we can see the information of the credit card. Click the triangle below the credit card to see the item "Enable automatic repayment"; 3. Click "Enable automatic repayment" and we will see "Enable immediately", and then click "OK" in the reminder to import the mail bill, and the bill will be automatically imported; 4. After importing the bill, return to Enable Automatic Repayment, click Enable Now, and then click OK in the email bill import reminder to set automatic repayment. Click "OK" after setting to start automatic repayment. This is taking Alipay as an example.
Credit cards are very popular among many young people. They can not only overdraw in advance, but also exchange points for things. However, if the credit card fails to repay the money when it expires, it will reduce the credit limit, so try to repay it automatically with the credit card.
operational approach
1. The automatic repayment of credit cards should be made in the same bank, so there will be no handling fee. Automatic repayment must be handled at the bank counter first. After filling out the corresponding form, you can give it to the staff.
2. Next, add the credit card to the existing savings card account. The lobby manager in this operation bank can solve it. He will teach you how to operate a microcomputer, which is much faster than doing it yourself at home.
3. After the bank counter operation, you need to log in to personal online banking to continue. After entering the personal center, find "Credit Card Service" at the top left, and click Enter.
4. After finding the credit card repayment, click to open the secondary menu, and you can see "Repayment, set automatic repayment" and so on. Here we choose "set automatic repayment", and then information such as credit card will appear. Click "Set Automatic Repayment" at the back.
5. After the automatic repayment business agreement (personal card) appears, read it carefully. If there are no questions, click the bottom to read and accept. Then there are the next steps, including "setting automatic repayment in RMB account" and "setting automatic repayment in foreign currency account". We generally choose the former here.
Operating environment: apple 12, ios 14, AliPay version 10.2.3 computer: macbookpromos 14. Open Google version 92.0.4515.13/.
Where can I check the money for returning credit cards on the same road?
1. Bank outlet inquiry You can directly bring your credit card and ID card to the counter of the bank outlet and ask the staff to apply for inquiring about the credit card refund record, so that you can see the money returned to your credit card.
2. Inquiring about online banking, mobile banking/credit card APP You can also choose to log in to online banking, or mobile banking, credit card APP, and then inquire about the credit card bill to find the relevant refund records.
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.
According to the different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
This concludes the introduction of how Guangfa Credit Card inquires about the refund and how Guangfa Bank inquires about the refund. I wonder if you found the information you need from it?