Credit card consumption records can be queried directly at the bank counter, or through online banking, mobile banking, third-party software and other channels.
1. Online Banking: After entering my account, users can log in to online banking to inquire about transaction details, so as to inquire about specific consumption records.
2. Bank counter: The cardholder brings the original ID card and credit card to the issuing bank to ask the staff to help check the transaction details, and can also print the transaction details bill for free.
3. Mobile Banking: Cardholders can log in to the mobile banking app of the issuing bank, and after logging in, they can check the transaction details.
4. Third-party software query: When the bank card is bound to third-party software such as WeChat and Alipay, you can query the consumption record through the bill.
Extended data:
The credit card application conditions of all banks are similar, and the basic application conditions are as follows:
1, applicant's age
The main card applicant must be 18 years old or above, but the maximum age limit of each bank is different. For example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are all 60 years old. Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.
Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.
2. Personal economic strength
Applicants should have a stable job and legal income, and have certain repayment ability.
3. Credit information
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
Credit card withdrawal:
When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:
First, more credit card spending.
If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.
Second, properly handle the staging.
Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.
Third, make a good record of using the card.
If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.
Excuse me, how to check the details of credit card bills?
Credit card bill details will include credit card consumption time, consumption amount, transaction description and other information. For customers who want to know the consumption situation, it is very necessary to inquire about the details of credit card bills. The following is the credit card bill details query method (taking construction behavior as an example):
1. website inquiry: log in to the website of CCB Credit Card Center, select historical bills or transaction details through inquiry, and view the 24-hour billed or unpaid bills.
2. Online banking inquiry: log in to personal online banking. In the Credit Card-My Card Package, select historical bills or transaction details to view bills that have been billed or not within 24 hours.
3. WeChat inquiry: Pay attention to the official account of China Construction Bank WeChat "China Construction Bank" WeChat, and you can handle the inquiry and repayment of 24 bills by yourself after binding the credit card.