The "current balance" of CCB's credit card refers to the recorded arrears of the credit card, excluding the unrecorded arrears of the occupied amount. To sum up here, it mainly includes unrecorded authorization, pre-authorization and installment payment transactions, as follows:
First, the existence of the card is only caused by the transaction in the authorization stage (the transaction is successful, the bank freezes the quota, and the merchant does not ask the bank for money). (In this case, it is suggested that the landlord check in the unpaid bill two days later, because domestic transactions are recorded in 1-2 days. )
Second, is there any pre-authorization for card release? Generally, staying in a hotel and renting a car will involve pre-authorization, just like a deposit. When leaving the hotel or returning the car, the merchant will use this pre-authorization to settle the bill, and the refund will be less, so that the pre-authorization is completed. However, in some cases, payment was made by cash or other cards at the time of settlement, and the original pre-authorization was not revoked by the merchant staff, resulting in the quota being occupied. In this case, the domestic pre-authorization will be automatically lifted within 30 days, and the quota will be restored, so the landlord need not worry.
Third, the landlord made installment payment, and the unpaid installment amount occupied the credit card limit, but it was not shown in the balance because it was not officially recorded.
If the landlord has other questions, you can ask.
The credit card bill of China Construction Bank is wrong!
If the bill is wrong, suggest that I call the customer service number of CCB, or you can directly take my card to the CCB counter to inquire.
One: CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Two: knowledge
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
3. Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on schedule. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period. If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount. Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).
If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.
If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.
Will CCB get the credit card bill wrong? Why does my repayment amount feel wrong?
No mistake, I have used CCB credit card for many years, and this has never happened.
If you feel something is wrong, you can post a screenshot of the bill to help you see if there is any problem.
CCB's credit card has expired. Why is the bill details inconsistent with the repayment amount?
If you know the credit card bill of CCB, you will find the reason why the bill details do not match the repayment amount.
Step 1: Read the statement.
The first step in using a credit card is to know all kinds of data on the statement.
The "minimum repayment amount" should be used with caution, and the "cash advance limit" should not be used easily. The "payable amount in this period" on the statement is the amount due at the latest repayment date, and there will be a column of "minimum repayment amount" next to it, which is usually 10% of the payable amount. Some people will mistakenly think that this is an "interest-free" discount provided by the bank, and take it for granted that it will be returned according to the "minimum repayment amount", and as a result, cyclic interest will be charged.
The "minimum repayment amount" is for those who can't pay in full. Once the repayment is made according to the minimum repayment amount, the "revolving credit" of the credit card will be used, and the bank will charge interest on all arrears from the billing date, so you can't enjoy the interest-free repayment in the current period. The daily interest rate is five ten thousandths, which is equivalent to the annual interest rate 18%! So don't use the "minimum repayment amount" unless you have to.
There is also a "cash advance limit" on the statement, that is, the amount authorized by the bank to withdraw cash from the ATM, which is generally 50% of the credit line. Don't be silly. There is no such thing as a free lunch, and there is a handling fee for withdrawing cash by credit card. Although some banks (such as Minsheng Bank) have begun to waive this fee, customers need to pay five ten thousandths of interest every day from the date of withdrawal.
Step 2: Calculate the interest-free period.
There are four dates to use credit cards: trading day, bank bookkeeping date, billing date and due repayment date.
Trading day: refers to the date when customers actually spend money by credit card, withdraw cash or transfer money.
Bank bookkeeping date: refers to the date when the bank records the transaction in the account. It takes time for the information from the store to reach the bank. Generally, there is a certain time difference in spending abroad, so the trading day and billing date in the bill will be different.
Billing date: refers to the date when the bank "accounts" the monthly credit card transactions.
Due repayment date: repayment must be made before this date. After this period, interest and other related fees will be charged for the amount owed during this period. Using these two skills, it is basically easy to interpret credit card statements.
CCB's credit card and life card bills are inconsistent.
That's because CCB's credit card and life card don't belong to the same card, which means that the consumption of these two cards is different, so the bills are inconsistent.
It is wrong to check the credit card account of CCB. Could it be wrong?
Under normal circumstances, there will be no mistakes. If you still can't check the bill after repeated checking, you can call the customer service hotline to inquire. The customer service here can query the specific merchant information, the detailed time of swiping the card, and even help you read the purchase order.
This is the end of the introduction about the discrepancy between CCB's credit card bill and CCB's credit card bill. I wonder if you have found the information you need?