Why do you still owe money after the credit card has been repaid?

if the customer has already paid off, the credit card still shows a debt, probably because the payment has just been made and the money has not yet arrived. If the money has arrived, it may be that the banking system has not settled yet, so the debt situation has not changed.

When the payment is received and the banking system has completed the settlement, there will be no liabilities in the credit card. Sometimes the data will be delayed, so you can't see the status immediately, so customers can wait until the second day of repayment to make inquiries, and the information should have been updated by this time.

the repayment date of a credit card refers to the last time when all loans or the minimum repayment amount must be repaid according to the rules of the issuing bank. The due repayment date is calculated from the bill application date plus the interest-free period.

The rules of interest-free period vary from bank to bank. The shortest time is from the billing date to the last repayment date, and the longest time is from the day after the billing date to the last repayment date of next month. So the shortest is 2 days and the longest is 5 days. During this period, you must pay off the current bill in full.

Why is there a bill after the credit card is paid off?

There are two possibilities. The first possibility is that he said that he can check the bill for next month on the 11th. It doesn't mean that you must owe money or need to pay back the money, but he tells you a date to check the bill. In fact, it is reasonable to say that he will pay the bill every month whether you spend it or not. The second possibility is that I have experienced it myself, that is, if you used to borrow money in installments or spend it in installments, no matter what, it will be in installments, so the interest it generates will be every month. However, this interest is not in the quota.

card handling methods of bank channels:

1. card handling through bank outlets. Bring the original ID card, proof of work income (usually including: work permit of the company, proof of employment, salary card flow (preferably more than 3 months), tax bill, social security bill, provident fund bill for the last 3 months, etc., not all of which are required, but you can have them). If you can attach some financial proof, such as real estate, car production, bank time deposit certificate, financial management, etc., it will be very helpful to get the card.

2. Bank official website online application.

3. Mobile banking.

4. Online banking.

5. Official WeChat WeChat official account. (It must be official ~)

If users want to apply for a credit card, they must first determine which bank to apply for a credit card according to their own requirements for credit cards. Each bank's credit card will have some characteristics, such as some credit cards focus on promoting food functions and some credit cards focus on promoting travel functions. Users can choose the credit card that suits them according to their own needs.

1. Assess your own card qualification

Generally speaking, as long as the following conditions are met, you can successfully apply for a credit card: 1. At least 18 years old; 2. Have an ID card; 3. No bad credit record; 4. Work certificate/income certificate can be provided.

Second, choose a card that suits you

After you are qualified, you need to consider what kind of card to apply for. There are also some skills in choosing a card: for beginners, you can choose the credit cards of the four major banks later, because the requirements of these banks are often strict. The first one is the card of commercial bank, which is not only low in processing threshold but also friendly in rights and interests.

third, apply for a card

after selecting a card, you can apply directly online, and the card holder will be asked to fill in some basic information online for preliminary examination. After the initial examination and approval, the bank will have customer service personnel to contact the cardholder to provide corresponding documents, such as ID card, income certificate, if the cardholder has real estate, financial management and other documents to prove his financial resources, which is a plus item.

Fourth, wait for the card to arrive

Generally, after the materials are provided, the bank will reply you whether the application is successful or not within half a month. If the application is successful, your card will be sent to you by courier.

all the credit card debts have been paid off, so why are there bills

normal? Even if there is no money, there are empty bills, which are based on the consumption situation of the previous period, and bills will be issued every month.

The bill that has been issued shows that it is owed money, but it is not owed money, because the bank has not recorded it, and the unrecorded money is put in it as a balance. The actual limit is still full, but it shows that the limit is insufficient. If you swipe your card again, the limit will not drop, but the surplus money in the credit card will be swiped, and the limit will continue to drop after the money is swiped.

General credit card repayment arrival time:

① Counter deposit repayment will arrive immediately;

② online bank transfer for repayment, where local peers arrive at the account immediately, remote peers arrive at the account within 2-24 hours, and cross-bank customers arrive at the account within 24 hours;

③ATM, CRS transfer or CRS deposit repayment, refer to ② for the time of transfer to account, and the deposit will arrive immediately;

④ the third party pays the repayment by transfer, and it will arrive at the account within 24 hours.

the repayment priorities are (from the earliest repayment):

① the bill supported first;

② late payment fee;

③ interest;

④ cash withdrawal part;

⑤ consumption expenditure.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special 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 limit.

the credit card stipulated in the relevant laws of China ("the NPC Standing Committee's Interpretation of the Provisions on Credit Cards in the People's Republic of China and the Criminal Law of China") refers to an electronic payment card issued by a commercial bank or other financial institution with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the credit card standard is CreditCard[3].

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

there is no need to pay cash when spending with a credit card, and repayment will be made on the BillingDate. [4]

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.