Current location - Trademark Inquiry Complete Network - Overdue credit card - Why hasn't the credit card been returned yet?
Why hasn't the credit card been returned yet?
As we all know, after credit card consumption, the available amount will decrease. Under normal circumstances, as long as the cardholder repays, the amount will be restored. Recently, however, some cardholders have said that they have paid off their credit cards, but the credit limit has not been restored. What happened? Now let me answer this question for you.

First, the repayment has not arrived. The credit card limit will not be restored until it arrives. Moreover, different repayment methods have different arrival times. If you want to pay back the amount immediately after repayment, it is recommended that you use the repayment method that can be paid in real time, such as mobile banking launched by various banks, UnionPay China UnionPay Express APP and so on.

Second, there is a negative limit. After the fixed limit is used up, the cardholder will use it as a temporary limit. At this time, the credit card limit will show a negative number, which leads many people to think that this negative number is the amount that should be paid back, and only a part of the negative number was paid back before the bill came out. In this way, the credit card limit will not be restored, so I suggest you wait until the bill comes out before repaying according to the bill amount.

Third, the credit card is wrong. Nowadays, credit cards with a large number of people are commonplace. Another cardholder handled multiple credit cards in the same bank. Although they are all under the same account, they should be returned separately when they can. Otherwise, if you return the money to other credit cards, you can't repay it again, and the limit can't be restored.

Fourth, the page has not been refreshed. Many cardholders are used to inquiring about the arrears through official website, a credit card application platform, and then making repayment. However, the page has not been refreshed after repayment, so the repayment amount will still be displayed. At this time, everyone needs to restart the login and then check the quota. You will find that the quota has actually been restored.

In short, if the credit card is not recovered after repayment, you can check the above situation and contact the customer service of the issuing bank in time to solve the problem.