How to check all credit card repayment records
If you want to check the credit card repayment records, you can use the following methods:
1. Telephone banking inquiry: you can call After answering the credit card customer service hotline of the card issuer, follow the voice prompts to check the repayment record or transfer to manual inquiry;
2. Go to the bank branch of the card issuer to check: Go directly to the nearby bank branch of the card issuer, then pick up the number and queue up , just explain the purpose of your visit to the staff;
3. Online banking/mobile banking inquiry: Since the mobile banking/online banking pages of each bank are inconsistent, the inquiry methods are also inconsistent. You need to find the relevant options of the credit card to inquire.
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 issuing bank's name, validity period, number, cardholder's 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 merchants and cardholders. Cardholders can overdraft within the prescribed limit.
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card.
This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card.
Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
How to check the credit card repayment record
If you want to check the credit card repayment record, you can use the following methods:
1. Telephone banking inquiry: you can call the card issuing bank After answering the credit card customer service hotline, follow the voice prompts to check the repayment record or transfer to manual inquiry;
2. Go to the card issuing bank branch to check: go directly to the nearby card issuing bank branch, then pick up the number and queue up, and The staff just needs to explain the purpose of your visit;
3. Online banking/mobile banking inquiry: Since the mobile banking/online banking pages of each bank are inconsistent, the inquiry methods are also inconsistent. You need to find the relevant options of the credit card to inquire.
There are two ways to check whether your credit card has overdue records, one is to check through the bank’s APP, and the other is to check through the credit report. There are also three inquiry methods for personal credit reporting. Next, I will explain it to you from the following points.
1. Inquiry method
(1) Bank app inquiry: You can log in through the bank’s APP to check the repayment record of this bank card. If there is an overdue payment, mobile banking is There will be markings.
(2) Credit report inquiry:
There are currently three ways to inquire about credit report. The first is to go to the offline institution of the People's Bank of China (Credit Information Center), or to provide For inquiries at bank branches with credit inquiry machines, you only need to bring your ID card.
The second is to register relevant information and apply online through the official website of the Credit Information Center of the People's Bank of China. On the second day of application, you can download it with the extraction code sent by your mobile phone. The third method is to inquire through the APP of commercial banks, but currently there are few banks that offer this function.
The first option is a free printable paper version and is more detailed than the other two query versions. The first query method is recommended first.
2. How to check if there is any overdue payment
When banks check whether there is any problem with your credit report, they mainly look at whether it is overdue:
Credit report It will clearly show whether you have been overdue, how many times you are overdue, and how much the overdue amount is. Some loan banks will be lenient if they think that you are only overdue on your credit card, and it is only one or two days overdue, and the amount is only a few dozen. If the loan is overdue for a long time and the amount is large, it will basically enter the bank's blacklist. Only after the five-year record is cleared can you hope to apply for a loan again at a banking institution.
Some people often apply online for online loans, credit cards, etc. No matter whether they are approved or not, there will be an inquiry record on their credit report, and banks also value this record, and the bank will consider it If you apply for such loans in large quantities, they will reject your loan request if they think you are short of money.
In short, setting your own repayment plan reasonably, using credit cards rationally, setting reminders to repay in time, and maintaining a good repayment record are also correct ways to maintain a good credit score.
Where can I check credit card repayment records?
1. Steps to log in to online banking:
1. Open the official website of Bank of Communications,
2. Click on the credit card to log in;
3. Select the cardholder to log in;
4. Enter the credit card ++ and enter the query password (if there is no query password set, there is no need to enter it); < /p>
5. Click Login;
6. Click Easy Accounts, and the interface will reflect the repayment status;
7. Click Bill Inquiry to check if the bill has not been issued. You can check the repayment details.
2. Dial the customer service hotline to inquire;
1. After the call is connected;
2. Enter credit card++;
3 , enter the query password, and the current situation will be automatically voiced;
4. Then press 1, and then press 2 to query the unissued bills, and the repayment details will be included in the unissued bills.
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 issuing bank's name, validity period, number, cardholder's 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 merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of the market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.
After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million. In 2016, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 10.75%, and the proportion of credit card consumption in the total retail sales of consumer goods continues to increase.
According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to curb the rapid rise in asset prices and control inflation, the Chinese government has implemented a sound monetary policy. And adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity level, credit lending rhythm and structure of Chinese commercial banks. All had a profound impact. The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.
In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.
China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve. It is expected that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.
That’s it for the introduction to credit card repayment records.