What should I do if I make a wrong payment on my credit card? Can I withdraw?
Whether I can withdraw if I make a wrong payment on my credit card depends on the specific circumstances.
1. If you return the money you want to repay to your other types of credit cards, you can directly withdraw the wrong money and then make the correct repayment. Certain procedures will only occur with cash. fee. If the repayment is refunded to someone else's credit card, you need to communicate with the other party to see if the other party is willing to return the money to you, because once the repayment is successful, the system will not automatically refund the money. If the other party is unwilling to refund or the contact fails, , which means your money cannot be refunded.
2. If you find that the payment is wrong, you can call the relevant bank customer service number after returning the credit card and ask them to help check whether the repayment is successful. If the system is still reviewing whether the evidence can be provided, the funds will be temporarily frozen and the final refund will be made. , if the repayment has been made to someone else’s account, you can ask the customer to help contact the other party to discuss refund matters. If the mistake is only a small amount of money, you don't need to take these steps and treat it as a buying experience.
:
Credit card application strategy:
1. Start with the limit. Because having a big card with a good repayment record will help you apply for credit card lines from other banks in the future. And your first card cost 3,000 yuan, and subsequent extensions, except for a few banks, will most likely be within 10,000 yuan, seriously lowering your credit limit. If it is not an agency or if you have a social security card, the rate is not high and the limit is also low. There is still a gap between 10,000 and 10,000. There is a difference between the four major banks with running accounts. You can easily lose 10,000 cards without any transactions. There are not many commercial banks. For women with less than 5,000 cards, which bank is the first choice, but it is not necessarily a white account. It depends on the bank policy at the time. Consulting local cardholders is the best choice, but be careful. (This depends on the bank policy at the time. Consulting local cardholders is the best option, but be careful.) If you are patient enough, after the pre-approval of the four major banks, you will realize your first big card. Card.
2. Start with equity. The changes in comparative value equity need to be judged according to the situation. We can first look at the value of bank points to classify. Those with higher value include Ping An, China Merchants, Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Hua Xia, Postal Savings Bank, and Agricultural Bank of China; those with little value include CITIC, Everbright, Minsheng, Industrial, Shanghai Pudong Development, and Guangfa (I dare not use them). Don’t underestimate the power of points. For example, 25,000 points for the special privileges of the main card in the construction industry can be exchanged for hundreds of gas cards. Then the cost of swiping the card only costs 50 yuan. In fact, it can be even lower. For cards with a balance of 100,000 or more, there is almost no handling fee every month. Whether you like it or not.
What should I do if I repay the wrong card for credit card payment?
If I repay the wrong card for credit card repayment, if it is the cardholder’s own card, the cardholder can withdraw the money and re-deposit it. Enter the credit card that should be paid off. If it is not the user's own card, you need to contact the other party immediately and ask the other party to refund the money. After the refund is made, it will be re-deposited into the credit card that should be repaid. However, it will take some time for the other party to refund the money, so if the user has extra money, he can pay it back first. to avoid exceeding the repayment period, resulting in late repayment and affecting personal credit.
The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):
In-bank repayment
This repayment method mainly includes: card issuance 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
The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!
Convenience store 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. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. 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.
Xinfutong
The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.
Repayment Tong
Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Intelligent repayment
The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc.
What should I do if I pay the wrong credit card?
When repaying a credit card, you generally need to enter your name and name. If it is just a mistake, the repayment will generally not be successful, and the bank will return the money. money.
If the credit has been transferred to someone else’s account, you need to contact the bank proactively to negotiate a solution. If the amount of the repayment is relatively large, you can also call the police at this time, and it can usually be recovered. .
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 designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants
Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.
And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Once there are too many credit cards, it is easy to misunderstand the repayment date of the card and not remember the credit limit of the card. It is difficult to manage, and it is easy to cause late repayment and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts.
Therefore, it is recommended that only 1 to 2 credit cards are enough.
Most cardholders don’t care about the receipts and don’t keep them. Most of them just throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.
This is the end of the introduction about the wrong credit card payment and whether the wrong credit card payment can be refunded. Have you found the information you need?