A summary of credit card pre-authorization query methods

Credit cards are used more and more, and they are also one of the must-have items for many people when going out. Since it is a necessity, of course we must understand it Okay, but what is bank card pre-authorization and how to check credit card pre-authorization? My little friend is really confused about the two-foot-old monk, so I’ll help you summarize it.

1. When a pre-authorized transaction occurs, the cardholder can make a credit card pre-authorization inquiry at any time by logging into the card-issuing bank's online banking. Credit card pre-authorization refers to a transaction in which the card issuer or its agency confirms the authorized frozen limit before the special merchant debits the money.

2. You can also call the credit card center to inquire about pre-authorization. If the "pre-authorization" is not canceled in time, the bank will automatically cancel the frozen limit after 30 to 45 days. It is worth noting that during this period, the frozen part of the "pre-authorized" funds cannot be used.

3. A bank staff member explained that when the consumer formally settles the "pre-authorization", the "pre-authorization" will be canceled and the funds frozen by the "pre-authorization" will automatically enter The funds will generally be returned to the cardholder's account within 24 hours.

4. The pre-authorization amount can be checked on the credit card website. Generally, it will not be displayed immediately. Banks have their own accounting days. The earliest you can check is the day after the pre-authorization. If it is later, it will take 3 days. , 4 days, if it is pre-authorized abroad, it will take longer.

How to check the pre-authorization of Hua Xia Bank's credit card

How to check the pre-authorization of Hua Xia Bank's credit card:

1. Cardholders can call the customer service hotline of the card-issuing bank at any time or Log in to online banking to do credit card pre-authorization inquiries.

2. Log in to mobile banking or online banking to check the available balance of your personal credit card account to check the pre-authorization of your credit card.

How to check credit card pre-authorization

1. When a pre-authorization transaction occurs, the cardholder can make a credit card pre-authorization query at any time by logging into the card-issuing bank's online banking. Credit card pre-authorization refers to a transaction in which the card issuer or its agency confirms the authorized frozen limit before the special merchant debits the money.

2. You can also call the credit card center to inquire about pre-authorization. If the "pre-authorization" is not canceled in time, the bank will automatically cancel the frozen limit after 30 to 45 days. It is worth noting that during this period, the frozen part of the "pre-authorized" funds cannot be used.

3. A bank staff member explained that when the consumer formally settles the "pre-authorization", the "pre-authorization" will be canceled and the funds frozen by the "pre-authorization" will automatically enter The funds will generally be returned to the cardholder's account within 24 hours.

4. The pre-authorization amount can be checked on the credit card website. Generally, it will not be displayed immediately. Banks have their own accounting days. The earliest you can check is the day after the pre-authorization. If it is later, it will take 3 days. , 4 days, if it is pre-authorized abroad, it will take longer.

For more information on how to check credit card pre-authorization, go to: View more content

Where can I check Bank of China credit card pre-authorization?

Dear customer, you can inquire through mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, customer service hotline 4006695566 and other channels.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

That’s it for the introduction of credit card pre-authorization inquiry.