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 credit card details?

How to check credit card transaction records

1. Check credit card consumption records through online banking:

2. Call the bank’s toll-free customer service hotline to check credit card consumption records. and bill details.

3. Check the bank’s monthly statement. The statement mentioned here comes in two forms. One is that the bank will send it to you by email, and the other is that the bank will send it to you as an electronic statement. form sent to your email.

Reminder: Personal credit card consumption records are very important. Cardholders are advised to carefully check their credit card consumption records every month. If there is anything wrong, they can contact the card-issuing bank to avoid negative consequences. Credit card records.

Credit Card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. The card has Chip, magnetic strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. Electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to query credit card consumption records< /p>

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: Users log in to online banking and can check transaction details after entering my account, so that they can check specific consumption records.

2. Bank counter: Cardholders bring their ID cards and original credit cards to the card-issuing bank and ask staff to help check the transaction details, and they can also print transaction details for free.

3. Mobile banking: Cardholders can log in to the card-issuing bank’s mobile banking app and check transaction details after logging in to their account.

4. Third-party software query: When the bank card is bound to third-party software such as WeChat and Alipay, consumption records can be queried through the bill.

Extended information:

The application conditions for credit cards of various banks are similar. The basic application conditions are as follows:

1. Age of the applicant

Main card Applicants must be over 18 years old, and the maximum age limit varies by bank. For example, the maximum age limit is 60 years old for China Merchants Bank, CITIC, and Shanghai Pudong Development Bank; 65 years old for Guangfa, Bank of Communications, Minsheng, Ping An, and Huaxia; and 70 years old for China Construction Bank.

Applicants for supplementary cards are generally 16 years old or above. Among them, China Merchants Bank and Agricultural Bank of China require 14 years of age or above, while Minsheng Bank and China Construction Bank require 13 years of age or above.

2. Personal financial strength

Applicants must have a stable job and legal income, and have a certain ability to repay.

3. Credit report status

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the approval 100%. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Appropriate installment arrangements

Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

How to check credit card bill details?

The credit card bill details will include the credit card's consumption time, consumption amount, transaction description and other information. For customers who want to understand the consumption situation, it is very necessary to query the credit card bill details. The following is the method for querying credit card bill details (taking China Construction Bank as an example):

1. Website query: log in to the CCB Credit Card Center website, select historical bills or transaction details through query, and you can view whether the payment has been made or not made within 24 hours The bill of account.

2. Online banking query: Log in to personal online banking and select historical bills or transaction details in the credit card-my card package to view bills that have been issued or not issued within 24 hours.

3. WeChat inquiry: Follow the China Construction Bank WeChat official account "China Construction Bank", and after binding your credit card, you can self-service 24-issue bill inquiry and repayment.