Credit card transaction time is not included in the bill. There is usually a delay from the actual transaction time to the time included in the bill, that is, the time for the bank to settle accounts with merchants and payment institutions.
Credit card is not accounted for, which means that the transaction is not included in the credit card bill, and the consumer transactions that are not accounted for on the billing date will be accounted for in the next bill, and the credit card transactions that are not accounted for can only be repaid on the next repayment date.
In addition, credit card repayment also needs to pay attention to recording time, especially the automatic repayment of credit card-related debit cards. Credit card accounts will not always observe whether the associated debit card account has enough balance to repay. For example, if the balance in the associated debit card account is still insufficient at 5 pm on the latest repayment date of the credit card, the credit card will give up the deduction. That is to say, if the cardholder deposits the money into the debit card after 5 pm that day, the credit card will not deduct the money until the next repayment date.
Repayment will not be considered until the account arrives, because there may be a phenomenon of refund through inter-bank transfer, so the repayment will not arrive. Please confirm whether the repayment has arrived. You can check the repayment status of card friends in real time through online banking, mobile banking and self-service voice phone. If the card repays automatically, the deduction will be displayed the next day. The balance of the bill or the remaining payable amount will be updated 1-2 days after the successful repayment.
Repayment through different channels has different time limits. 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.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.