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
Credit card repayment records can be checked through various channels such as online banking, telephone banking, and credit card statements. Take online banking as an example. After logging into personal online banking, users find the credit card column, then find the credit card bill, click Query Bill, and both the repaid and unpaid amounts will be displayed.
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 the merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit card repayment methods within the card-issuing bank include: card-issuing 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.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services.
Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank 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.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "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.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
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 query the repayment record or transfer to manual query;
2. Go to the card issuing bank branch to query: 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: Because 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 for inquiry.
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 inter-bank in the same city and inter-bank 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.
That’s it for the introduction on how to check credit card repayment records.