How to check the status of Bank of China credit card?

Bank of China credit card status inquiry:

You can check the credit card status through Bank of China personal mobile banking, "Bank of China Credit Card" WeChat official account or by calling the Bank of China credit card customer service hotline 4006695566.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How to check credit card information

Query credit card information:

1. Bank branch query: You can go to the bank branch to query and ask the bank teller for credit card details. Just the bill.

2. Log in to personal online banking: Credit card holders log in to the bank’s online banking of the card-issuing bank and conduct bill inquiries through the credit card inquiry in the account inquiry service. If you use an Agricultural Bank of China credit card, please log in to personal online banking and click "Credit Card → Inquiry → Bill Inquiry" to check the unissued bill details of your credit card and the statements of the last twelve months, including the repayment amount and the minimum repayment amount. , consumption records, repayment records, etc.

3. Log in to the mobile banking APP: Download and log in to the official APP of the credit card issuing bank, and then bind your credit card to directly query the bill.

4. Call the bank customer service hotline: You can call the service hotline of the credit card issuing bank and transfer to manual service to ask customer service to help you make inquiries.

5. Some banks can check credit card statements through text messages: such as China Construction Bank, just send CCZD#++ on your mobile phone to check.

6. WeChat inquiry: If you use an Agricultural Bank of China credit card, please follow the "Agricultural Bank of China" WeChat official account and click "Credit Card → My Bill" to view the current bill details, unissued bill details, Historical bill details. Including general transaction details, installment transaction details and special bills.

Operating environment: Microsoft Edge version 95.0.1020.40 WeChat Version 8.0.16 China Construction Bank harmonyOS version 5.6.0

Most banks now support online inquiries about credit card debts. Among the more common online inquiry channels are WeChat official account, online banking, mobile banking, etc. This query method cannot intuitively see the credit card balance. When the cardholder logs in, he can only see the available limit of the credit card, and needs to subtract the available limit from the total credit card limit. Only then can the amount owed on the credit card be determined. Then the calculated debt amount for each card is summed up, which is the total credit card debt that the cardholder needs to repay. But relatively speaking, the accuracy of this type of query method is not very high, especially when the credit card has installments. After all, the total amount of debt is not just the principal of the installments, but also the amount of each installment. Installment fee.

How to check whether a credit card can still be used

1. You can go to the bank for detailed consultation, or you can call the credit card customer service hotline for a conversation, or you can go to the relevant bank for consultation. Query

2. Bank SMS query. When you use your credit card abnormally and use the card irregularly, the bank will feel that your card use behavior is sensitive and will send you a text message to remind you to pay attention to your card use. You can also make SMS inquiries yourself.

Extended information:

1. Some advantages of using a credit card: you can overdraft consumption without depositing, and enjoy a certain period of interest-free period;

Consumption with credit card It is safe and convenient. You can also accumulate points by swiping your credit card;

You can enjoy discounts by swiping your card at the bank's special merchants;

Accumulate personal credit and form a good credit record;

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It is accessible nationwide and can be used to withdraw cash or spend money at ATMs and POS machines with the UnionPay logo.

2. Some disadvantages of using credit cards:

If there is no plan, using a credit card to overdraft consumption can easily lead to blind consumption;

If you cannot repay on time, you will It will cause overdue records and affect personal credit.

You can make overdraft purchases without depositing money, and enjoy a certain interest-free period;

It is safe and convenient to use credit cards to make purchases, and you can also accumulate points by using credit cards;

You can enjoy discounts by swiping your card at the bank's special merchants;

Accumulate personal credit and form a good credit record;

It is accessible nationwide and is available at ATMs and POS with the UnionPay logo. Cash can be withdrawn or spent on board.

3. A brief description of credit cards:

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 stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdrawal of cash and other full or partial functions of electronic payment cards [1-2]. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to check whether your credit card is normal

Open Baidu 12.23.5.10 version browser on iPhone version 4.1. When there is an abnormality in the bank card, it should be solved according to the specific situation. Common abnormal situations and solutions are as follows: 1. Account abnormality caused by arrears: If you are informed that the bank card is in an abnormal state due to arrears, the individual can go to the business hall with his bank card and ID card to apply for the staff to open it, and pay back all in time. Arrears. 2. Account abnormalities caused by transaction risks: If the bank card account has transaction risks such as ++, ++, etc., the use of personal bank cards may be restricted. At this time, the cardholder can call the bank's customer service number and ask for manual service to explain the specific situation, indicating that the card has no transaction risk and apply for unfreezing. 3. Account anomalies caused by bank internal system failures: If the above reasons are eliminated and customer service consultation fails, it may be a network problem with the bank's internal system.

When paying with a bank card, if it exceeds the monthly limit stipulated by the bank, you can first change a bank card for payment, or apply to the bank to modify the monthly maximum limit. The method to modify the quota is as follows:

1. Bring your ID card, bank card and other relevant materials to the nearest bank counter to make a request to modify the maximum amount payable in a single month. The bank clerk will increase the amount in the system.

2. Log in to online banking, find the "Limit Management" function on the bank card management page, and adjust the maximum payable amount in a single month on the page.

3. Directly call the bank’s customer service hotline and make adjustments according to the voice prompts or directly ask customer service for online assistance.

If using WeChat, you can choose to pay in change or change your bank card.

Open WeChat, click "Me", click "Pay", click "Wallet", click "Bank Card", click on any bound bank card to view the bank card limit. For example, China Construction Bank has a single transaction limit of 10,000 and a daily limit of 50,000; ICBC has a single transaction limit of 30,000 and a daily limit of 50,000; the standards of each bank are different, and the actual situation shall prevail. If the credit card exceeds the daily limit, it means that the cardholder has swiped the card 5261 times today, reaching the maximum consumption of the day, and can no longer swipe the card for consumption.

How to check whether the credit card is frozen or deactivated

[1] Bank card holders can call the customer service number of the card-issuing bank, and then transfer to manual customer service, and then inquire whether the bank card is frozen.

[2] Cardholders can also go directly to the bank counter, and then provide the relevant bank card and ID card, and ask the counter staff to assist in the inquiry.

[3] In addition, cardholders can also go directly to the teller machine to withdraw money. If the money cannot be withdrawn or cannot be withdrawn, it will be frozen.

1. Don’t rush to cancel your card if you have a bad credit record. Under normal circumstances, once the credit card is collected and the account cancellation procedures are completed, there will be no further charges on the card. However, cardholders are reminded not to be "reckless" when canceling their accounts.

Usually banks will check and retain users' personal credit information within the last two years. If there are bad records before the account is closed, the information will always be at the top and prominently placed, making it easy for the bank to use it as a reference. In this case, it is recommended to continue to use credit cards, develop good repayment habits, gradually accumulate good records, and compress the bad records into a corner until they exit the information records of the past two years.

2. If your credit card expires, remember to confirm its expiration. Although many credit card regulations stipulate that credit cards should automatically expire after expiration, there are still some credit cards issued by banks that have not been deactivated after expiration, which brings economic security risks to cardholders. The card may be abandoned and then used by others. If it is found and used for fraud, it may also happen that "annual fees continue to be incurred", "interest accrues resulting in arrears", etc. This situation is due to poor management by the bank, and the cardholder should pay for the arrearage incurred after the credit card expires. However, cardholders are reminded that in order to prevent such troubles, it is best to confirm with the issuing bank whether the credit card has expired and cut the magnetic strip of the expired credit card when the card expires.

3. Freezing the account and reporting a loss does not mean that there is no need to repay. In principle, bad records caused by annual fees are recorded for the first time and you can apply for record erasure. In addition, account freezing, loss reporting, etc. cannot be used as exemption conditions. Cardholders are reminded that when they want to freeze or report the loss of the credit card they are using, if there are still outstanding balances in the card that need to be repaid, they must also continue to repay the balance before the repayment date. If there is any delinquency during this period, it will also be applied for entry as bad credit information.

That’s it for the introduction on how to check the status of your credit card.