Why does the Bank of China credit card have been repaid successfully? Why does it still show that there is a debt?

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, Check account arrears and repayment dates through online banking, customer service hotlines, branches and other channels.

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

Why does it still show that you owe money after paying off your credit card?

Credit card repayment is a top priority. In order to avoid overdue payment, you must successfully repay it before the last payment date. However, many cardholders have clearly paid off the money, but the results still show that they are in debt. So why does the credit card still show that money is owed after paying off?

1. Return the wrong credit card. Nowadays, it is common for people to have five or six cards. Some have credit cards from different banks, and some have several credit cards from the same bank. If they are all repaid manually, it is easy to make mistakes. Especially if they have multiple credit cards from the same bank, many people think that they can just pay back one card at random. However, in some banks, each credit card account is independent and needs to be repaid separately. This is more unfair.

2. Did not receive the bill. If a credit card transaction occurs in the month, the bank will send an electronic statement on the statement date. Click to view the total balance owed on the bill, the minimum repayment amount, and transaction details. It is most appropriate to repay according to the statement, and the minimum repayment must be paid. The amount will not be overdue, and if you do not receive the bill and rely on your own estimates to repay, it is easy to make mistakes. However, if this leads to overdue payment, you can apply for objection to modify the credit report after repayment.

3. No one-time repayment. During every year and festival, banks will increase their temporary limit. For example, during the recent 618, many cardholders got temporary limits on their credit cards. You have to pay attention when using them. If you use the temporary limit, you must pay it off in one go. Because minimum repayments and installments are not allowed temporarily, many people mistakenly believe that just paying the minimum amount is enough. As you can imagine, the result is that it will definitely be overdue.

4. Too much reliance on automatic repayment. Many people think that if they set up automatic repayment, the bank system will deduct the money for repayment on the final payment date, so they don't have to worry about forgetting to repay and making it overdue. However, automatic repayment is not foolproof. There is a precondition that there must be enough debit amount on the card. If the balance is insufficient on the day of debit, it will also be overdue. In order to avoid this situation, it is recommended to check the balance of the associated account 2 to 3 days in advance to avoid depositing money as soon as possible.

The above is an introduction to why the credit card still shows money owed after paying it off. I hope it can give my friends some reference.

How can I still owe money after paying off my credit card?

The reason why a credit card (debit card) still owes money after paying off is because the user still has part of the consumption amount included in the next period's bill, so there is still a balance that needs to be repaid in the next period. Unless all the user's consumption amounts are included in the current bill, and then the user chooses to repay in full and does not continue to use the credit card (credit card), then there will be no debt after the repayment.

For users, as long as the credit card (credit card) is used continuously, repayment will be required every period. Repayment is not required only when the card is not used and there is no outstanding balance.

Why is there still a debt after paying off the credit card?

If the customer has already paid off the credit card and still shows a debt, it is most likely because the payment has just been made and the money has not yet arrived. If the payment has been received, it may be that the banking system has not yet completed settlement, so the liability situation has not changed.

When the money arrives and the banking system completes the settlement, the credit card will no longer show a debt. Sometimes the data will be delayed, so the immediate status cannot be seen. Therefore, customers can wait until the second day of repayment to query. By this time, the information should have been updated.

The repayment date of a credit card refers to the last time when the entire loan or the minimum repayment amount must be repaid according to the rules of the card issuer. The repayment due date is calculated from the bill application date plus the interest-free period.

The interest-free period rules of each bank are different. The shortest period is from the statement date to the last payment date, and the longest period is from the day after the statement date to the last payment date of the next month. . So the shortest is 20 days and the longest is 50 days. During this period, the current bill balance must be paid in full.

This is the end of the introduction about how you still owe money after paying off your credit card and whether you can repay the money you owe to the credit card after completing your jail term. I wonder if you found the information you need?