How to check whether your card is a credit card? There are these differences
Card holders often apply for a debit card and a credit card at the same bank, but they don’t know which one is the credit card. In fact, debit cards and credit cards are easy to distinguish. You just need to pay attention to a few points. Let’s take a look.
How to check whether your card is a credit card?
1. Look at the card face: Many debit cards, except for bank VIPs, ordinary customers generally do not have the pinyin of the cardholder's name, and even if they do, it is printed on it; every credit card will have it. The pinyin of the cardholder’s name in the pressed three-dimensional characters. In addition, some debit cards do not have an expiration date stamped on them, but all credit cards do.
2. Check the fees: Credit cards are free when you apply for a card, but debit cards are charged. The card application fee is about 10 yuan, depending on the bank;
3 . Look at the interest: Both credit cards and debit cards can save money, but credit cards have no interest, while savings cards pay interest every quarter and are calculated based on daily interest, so even if the money just passes through the card, there will be interest.
4. Look at the function: Use a debit card to transfer money in mobile banking. You can transfer money without review, and the debit card can transfer the entire limit of 100; if you cannot transfer money, or the transfer requires a bank After review, and the maximum transfer limit is 50, it must be a credit card.
5. Look at the bill: If you use a credit card and a debit card at the same time, the credit card will be billed every month. It uses bank money and needs to be repaid on the final repayment date; if there is no bill, It’s a debit card, so you don’t need to pay it back when you use your own money.
The above is the relevant introduction to "How to check whether your card is a credit card". I hope it will be helpful to everyone.
How to check whether there is a credit card in your name
1. Bank branch query
You can bring your ID card to the local branch of the People's Bank of China. To check, just print your personal credit report. Because the credit report will have credit card details, if you apply for a credit card, it will be displayed on your personal credit report.
2. Bank telephone inquiry
You can also call the customer service number of each bank and ask the customer service staff whether you have a credit card. But obviously, this method is very troublesome, and you have to make calls one after another.
3. Online inquiry
You can log in to the official website of the People's Bank of China and check whether you have a credit card by checking your personal credit report. It does not require printing out reports like going to a central bank branch. You can directly check the credit card details in your personal credit report online on the official website.
With the popularity of credit cards, more and more people have become credit card users. Many people not only apply for a credit card, but also apply for multiple credit cards at the same time. However, as the number of credit cards increases, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones they should cancel. If you have the following credit cards, it’s best to cancel as soon as possible.
1. Credit card with low credit limit and difficult to pay
There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it will be difficult to increase the credit card limit later. No matter how hard you work to improve your qualifications, credit card limits are still low. If you have this credit card on hand, instead of keeping it, you might as well cancel it indirectly to avoid overdue situations.
2. Long-term idle credit cards
Many peers apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards and the consumption demand is very small. Idle credit cards have credit card fees and cannot be repaid on time, which can easily lead to overdue payments. Therefore, canceling the use of your credit card is the best solution.
3. Severely homogeneous credit cards
If you have two or more credit cards with similar benefits, please choose the credit card with the larger amount, and you can cancel the other credit cards.
4. Credit cards with fewer benefits
This requires careful comparison to find out among your own credit cards the credit cards with fewer benefits and less activities to cancel.
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 with 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
Nowadays, most banks support online inquiry of 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 balance of 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
The CCB credit card number is displayed on the credit card held by the customer. Customers can also inquire through any of the following methods:
1. If the credit card has been added to mobile banking, the complete account number can be viewed through the "Homepage - Account" menu of mobile banking. If some accounts are hidden, please display all accounts through the "Security Center-Information Management-Information Switch" menu setting. Note: If the "Account" menu is not displayed on the homepage, please click "" in the middle area of ??the homepage to enter the selection.
2. If the credit card has been added to online banking, it can be viewed through the "Credit Card - Credit Card Home Page - My Card Pack" menu in personal online banking. If the account protection function is set up and the account is not fully displayed, you can set "Unhide" through "My Account - Account Management - Account Hide".
If your credit card is lost, please report the loss through mobile banking, online banking, or 95533 as soon as possible.
(In case of business changes, please refer to the actual situation.)
How to check whether there is a credit card in your name
The ways to check the credit card in your name are: The following three types:
1. Telephone inquiry: You need to check the bank’s customer service phone number by yourself, and use the customer service staff to check the credit card related information for your ID card;
2. Log in to the credit reporting system : Check your credit report and personal credit card information by registering with your ID number;
3. Bank outlets: You can bring your ID card to the local Credit Report Management Center of the People's Bank of China and ask the staff at the Check your personal credit card with help.
Operating environment; Apple 12iOS14 browser 12.8.7
With the popularity of credit cards, more and more people have become credit card users. Many people not only apply for a credit card, but also apply for multiple credit cards at the same time. However, as the number of credit cards increases, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones they should cancel. If you have the following credit cards, it’s best to cancel as soon as possible.
1. Credit card with low credit limit and difficult to pay
There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it will be difficult to increase the credit card limit later. No matter how hard you work to improve your qualifications, credit card limits are still low. If you have this credit card on hand, instead of keeping it, you might as well cancel it indirectly to avoid overdue situations.
2. Long-term idle credit cards
Many peers apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards and the consumption demand is very small. Idle credit cards have credit card fees and cannot be repaid on time, which can easily lead to overdue payments. Therefore, canceling the use of your credit card is the best solution.
3. Severely homogeneous credit cards
If you have two or more credit cards with similar benefits, please choose the credit card with the larger amount, and you can cancel the other credit cards.
4. Credit cards with fewer benefits
This requires careful comparison to find out among your own credit cards the credit cards with fewer benefits and less activities to cancel.
That’s it for the introduction of how to read credit cards.