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.
Reasons and methods of credit card repayment display without record
Failure to repay when the repayment account number is incorrect: it is recommended to check whether the repayment account information is correct by querying the transaction records. If the wrong payment will be returned to the payer's account, it needs to be repaid again.
If it is an inter-bank transfer, the money will generally arrive within 2-3 working days after submission. It is normal not to arrive within this time. I suggest waiting patiently.
If it is not the above reasons, it is recommended to contact the bank to solve it.
Matters needing attention on short-term overdue repayment date
Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment.
If it is paid in full, there will be no cost.
If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee.
If the repayment amount is greater than or equal to the minimum repayment amount and less than the total repayment amount, interest shall be paid at 0.05%.
Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.
apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get 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 guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.