How to check all credit card repayment records
If you want to check the credit card repayment records, you can use the following methods:
1. Telephone banking inquiry: you can call After answering the credit card customer service hotline of the card issuer, follow the voice prompts to check the repayment record or transfer to manual inquiry;
2. Go to the bank branch of the card issuer to check: go directly to the nearby bank branch of the card issuer, then pick up the number and queue up , just explain the purpose of your visit to the staff;
3. Online banking/mobile banking inquiry: Since the mobile banking/online banking pages of each bank are inconsistent, the inquiry methods are also inconsistent. You need to find the relevant options of the credit card to inquire.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card.
This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card.
The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
How to check credit card overdue repayment records? Both channels can be used to check
There are often cardholders who forget to repay their credit card, and they don’t know when their credit report is overdue, so they apply for a bank loan, but as you can imagine, they will be rejected. In order to avoid this situation, it is recommended that you check your credit report every year to see if there are any overdue repayment records. If there are any, try to eliminate them. Let’s take a look below.
Credit card overdue repayment records are all queried on the personal credit reporting system. There are two main query channels, one is on-site query and the other is online query.
1. On-site inquiry
You need to go to the local credit reference center to inquire. You can search the location of the local credit reference center on Baidu in advance, and then bring your ID card to inquire. . This query method is relatively fast, and you can generally query the results and print the credit report directly on the same day.
2. Online query
You can check on the official website of the Central Bank Credit Information Center. You need to register an account in advance, and then follow the prompts to enter relevant information, such as ID card, name, mobile phone number, etc. to log in. Choose a submission method from bank card verification, digital certificate verification, question verification, etc. After successful verification, you will receive a verification code. Then log in to the official website of the Credit Reference Center and enter the verification code to get an electronic version of the credit report.
However, no matter which channel the inquiry is made through, the version and content of the credit report are the same. They are all personal inquiry versions and are different from the bank inquiry version.
Card holders can check the credit card transaction history and repayment status in the credit transaction information on the credit report subject. If there is an overdue record, the repayment status will be marked with a number. Generally, it is 30 days overdue. If the credit report is overdue for more than 30 days and less than 60 days, it will be reflected as a number "2", and so on.
How to check Bank of China credit card repayment
You can check your bill through Bank of China online banking, mobile banking, WeChat official account, Colorful Life APP, and credit card customer service hotline.
The above content is for your reference, please refer to actual business regulations.
Where can I check credit card repayment records
Credit card repayment records can be checked through various channels such as online banking, telephone banking, and credit card statements. Take online banking as an example here. After the user opens Baidu browser (version 132) on iPhone 13 mobile phone i0S15.0 version and logs in to personal online banking, he finds the credit card column, then finds the credit card bill, and clicks to query the bill. Then the repaid and unpaid balances will be displayed. The repayment amount will be displayed.
Or if the user repays through third-party payment software such as Alipay and WeChat, he or she can directly query the bill to find out the specific repayment record.
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the repayment amount is brushed out and the funds are returned to the bank. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only result in legal consequences, but also bear high penalties and interest, and most importantly, may cause Bad records.
In-bank repayment:
This repayment method mainly includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Mobile repayment::
Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.
Online repayment:
The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
Inter-bank transfer:
Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
Counter Pass:
Counter Pass refers to the bank cards issued by various networked financial institutions, which can be used to conduct RMB demand deposits through the counters of other bank branches registered in the UnionPay Exchange Center host system. Deposit and withdrawal transactions.
Lakala:
Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals .
How to check the credit card repayment record
If you want to check the credit card repayment record, you can use the following methods:
1. Telephone banking inquiry: you can call the card issuing bank After answering the credit card customer service hotline, follow the voice prompts to check the repayment record or transfer to manual inquiry;
2. Go to the card issuing bank branch to check: go directly to the nearby card issuing bank branch, then pick up the number and queue up, and The staff just needs to explain the purpose of your visit;
3. Online banking/mobile banking inquiry: Since the mobile banking/online banking pages of each bank are inconsistent, the inquiry methods are also inconsistent. You need to find the relevant options of the credit card to inquire.
There are two ways to check whether your credit card has overdue records, one is to check through the bank’s APP, and the other is to check through the credit report. There are also three inquiry methods for personal credit reporting. Next, I will explain it to you from the following points.
1. Inquiry method
(1) Bank app inquiry: You can log in through the bank’s APP to check the repayment record of this bank card. If there is an overdue payment, mobile banking is There will be markings.
(2) Credit report inquiry:
There are currently three ways to inquire about credit report. The first is to go to the offline institution of the People's Bank of China (Credit Information Center), or to provide For inquiries at bank branches with credit inquiry machines, you only need to bring your ID card. The second is to register relevant information and apply online through the official website of the Credit Information Center of the People's Bank of China. On the second day of application, you can download it with the extraction code sent by your mobile phone. The third method is to inquire through the APP of commercial banks, but currently there are few banks that offer this function.
The first option is a free printable paper version and is more detailed than the other two query versions. The first query method is recommended first.
2. How to check if there is any overdue payment
When banks check whether there is any problem with your credit report, they mainly look at whether it is overdue:
Credit report It will clearly show whether you have been overdue, how many times you are overdue, and how much the overdue amount is. Some loan banks will be lenient if they think that you are only overdue on your credit card, and it is only one or two days overdue, and the amount is only a few dozen. If the loan is overdue for a long time and the amount is large, it will basically enter the bank's blacklist. Only after the five-year record is cleared can you hope to apply for a loan again at a banking institution.
Some people often apply online for online loans, credit cards, etc. No matter whether they are approved or not, there will be an inquiry record on their credit report, and banks also value this record, and the bank will consider it If you apply for such loans in large quantities, they will reject your loan request if they think you are short of money.
In short, setting your own repayment plan reasonably, using credit cards rationally, setting reminders to repay in time, and maintaining a good repayment record are also correct ways to maintain a good credit score.
That’s it for the introduction on how to check credit card repayment records.