Hello, my credit card was repaid yesterday, but there is a Taobao refund today. What should I do with the returned money? Where can I check it?
After the issuing bank issues the bill, you should pay off all the expenses you spent before the due repayment date. To check the refund information, you can check it through the app Pocket Life of China Merchants Bank credit card. The steps are as follows:
1. First, install Pocket Life in the application center.
2. Click Life on the Pocket, and log in to the app with the number that is used to handle the credit card.
3. Click on the menu bar below to card finance.
4. Click on the bill query.
5. There will be an Alipay repayment information in the bill, as shown in the following figure.
if the bill has been repaid, the refunded amount will automatically offset the unpaid bill. As long as the credit card bill comes out, it can be repaid, and the repayment date must be completed before the repayment date, otherwise the credit will be affected. The due date of credit card repayment refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount.
Extended information:
1. Orders paid by credit card will be returned to your credit card account within 7 working days after the refund is successful.
2. The refund within 3 days from the payment date will be returned to the bank card together with the corresponding service fee (but you need to bear the possible capital gains and losses, such as exchange rate fluctuations, bank charges, etc., and the exchange rate is calculated according to the bank exchange rate on the day of refund to Alipay). Refunds over 3 days from the date of payment will not be refunded.
Credit card purchase refund record
Does the subject want to ask "Where can I find the credit card purchase refund record"?
1. First log in to the mobile banking where the credit card belongs, and click on the credit card to select the transaction details.
2. Secondly, click Filter, select the transaction type, and click Return Tax Refund.
3. finally, click the transaction description after purchase in the interface to query the refund record.
where can I check the money returned by the original route?
1. Inquiring at the bank outlets
You can directly bring your credit card and ID card to the counter of the bank outlets to ask the staff to apply for checking the credit card refund record, so that you can see the money returned to your credit card.
2. Inquiring about online banking, mobile banking/credit card APP
You can also choose to log in to online banking, or mobile banking, credit card APP, and then inquire about credit card bills, and you can find the relevant refund records.
and it should be noted that if the money is returned to your credit card before the billing date, the refund can be deducted from the bill of the current month; But if the money is returned to your credit card after the billing date, the refund can't be used to deduct the repayment of the current month, but can only be included in the bill of the next month.
Puka:
Puka is the lowest-level credit card issued by the card issuer, and you can apply for it with your identity certificate and work certificate. People who apply for a credit card for the first time or who are not very financially strong can try to apply for a general card first. There is basically no annual fee for this kind of card, or the annual fee can be exempted if they swipe it enough times, and the amount is generally below 1, yuan.
gold card:
to apply for a gold card, you need to provide some asset certificates in addition to meeting the basic requirements for applying for a credit card. The examination and approval of the gold card is relatively stricter than that of the ordinary card, and the preferential treatment and welfare enjoyed by the gold card will be better than that of the ordinary card, with the quota generally ranging from 1, to 5,. At the same time, the annual fee is higher than that of Puka, but there is also a chance to avoid the annual fee.
Platinum card:
Platinum card is a credit card that mainly serves high-end users. The approval is strict, requiring an individual's annual income to be at least 2w. Sometimes it is necessary to deposit enough assets in the issuing bank before it can be processed.
The special services of this card are mainly manifested in golf, airport VIP, free physical examination, mileage redemption and emergency support services. Because of the high-end service, the annual fee ranges from several thousand to several hundred. In addition, banks have issued a lot of small platinum, also known as "pseudo-platinum". For example, CITIC's I Platinum, Guangfa's Zhenshang Platinum, etc., Platinum cards are basically free of annual fees in the first year, and they need to be swiped or redeemed in the second year. Please ask each customer service for details.
diamond card:
diamond card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. It is higher than the platinum card, and it has higher requirements for the identity of the cardholder, and most of them can be handled by successful people. Therefore, the diamond card has a higher quota, which can show the cardholder's noble identity. Cardholders are required to earn more than one million yuan, and the amount is also one million yuan.
black card:
a black card is an unlimited card, and there is no such thing as a "credit line". Because almost all the unlimited cards issued by various banking organizations are black, they are generally referred to as' black cards' or' black gold cards'. Some people say that only with this kind of black card can the "distinguished status" of the card owner be fully displayed.
Not everyone can have this card, and applications are not accepted. Only when the bank takes the initiative to invite, will the card be issued. At present, only two banks in China have black cards, China Merchants Bank and ICBC. It is reported that the black card owners of American Express are very few 1% top customers. The high annual fee (about 1 thousand yuan) has become an unimportant factor.
titanium card:
the grade of titanium card is actually determined by the bank itself. Like the titanium card of China Everbright Bank, the level is between the gold card and the platinum card. Some banks will call it small platinum, while others will call it titanium card. In fact, they are all the same, just different names!
titanium card can be a dual-currency card or a unionpay card, depending on how the bank wants to define it. As for the amount of titanium card, naturally, the bank has the final say.
the above is the popular science of credit cards, and the success rate of applying for credit cards is determined according to one's income and property. It is suggested that friends who have just started to contact credit cards should start with general cards or gold cards. Although there are some cases where platinum cards are issued on the first card, they are rare.
how to check the account of credit card refund
if you use China merchants bank credit card, please log in to the credit card official website, click "online banking login" on the right, enter your ID number, inquiry password and additional code, then log in to online banking, and select the bill details to be checked in "account management"-"issued bill inquiry" to inquire the bill amount and details. If there is a refund to your account, you can check it in your paid and unpaid bills, and the refund is displayed in negative numbers.
to set up automatic repayment by credit card, you can open Alipay wallet, click on repayment by credit card, and then click on the triangle below the credit card, and you will see the item of automatic repayment enabled, and click Open Now. You can set up automatic credit card repayment in Alipay.
The specific steps are as follows: 1. First, open Alipay Wallet and click "Credit Card Repayment" on Alipay Wallet; 2. After entering the "Credit Card Repayment" page, we can see the information of the credit card, and click the triangle below the credit card to see the item "Enable automatic repayment"; 3. Click on "Enable automatic repayment" and we will see "Enable immediately", and then click "OK" in the reminder to import the email bill, and the bill will be automatically imported; 4. After importing the bill, return to "Enable Automatic Repayment", click "Enable Now", and then click "OK" in the reminder of importing the email bill to set up automatic repayment. Click "OK" after setting, and automatic repayment can be started. This is taking Alipay as an example.
Credit cards are popular among many young people. They can not only overdraw in advance, but also exchange points for things. However, if the credit card fails to pay the money when it expires, it will reduce the credit limit, so try automatic repayment with the credit card.
operation method
1. Automatic repayment of credit card is best done in the same bank, so there will be no handling fee. Automatic repayment must first be handled at the bank counter. After filling out the corresponding form, it can be handed over to the staff.
2. Next, add the credit card to the existing savings card account. This operation can be solved by the lobby manager in the bank. He will show you how to operate the microcomputer, which is much faster than doing it yourself at home.
3. After the operation of the bank counter, you need to log in to personal online banking to continue. After entering the personal center, find "Credit Card Service" on the upper left and click Enter.
4. after finding the credit card repayment, click to open the secondary menu, and you can see "repayment, setting automatic repayment" and so on. Here we choose "Set Automatic Repayment", and then information such as credit card will appear. Click "Set Automatic Repayment" at the back.
5. after the automatic repayment business agreement (personal card) appears, read it carefully, and click on the bottom to read and accept it when there is no problem. Then there will be the next step of setting, including "setting automatic repayment of RMB account" and "setting automatic repayment of account", and we generally choose the former here.
operating environment: apple 12, ios14, AliPay version 1.2.3 computer: macbookpromos14 opens google version 92..4515.131
how to inquire about the credit card refund?
the credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and can also be used for credit card swiping, cash withdrawal and transfer. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to use overpayment for repayment and credit card swiping.
in fact, the credit card will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill, and the user does not need to repay this refund amount.
Personal credit report is required for bank loans:
1. Bring my ID card or the client's ID card and power of attorney, and go to the credit inquiry window of the People's Bank of China where you are located to provide your ID card for printing personal credit records;
2. Open China People's Credit Information Center official website (Google browser version 3.3.2), and submit an application for personal credit information records in the personal inquiry column with the mobile phone number matching the ID card registration account. Usually, the mobile phone will receive the inquiry code sent by the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the query code of SMS in the personal query column to access personal credit information, and download and save a PDF document at the bottom of the page.
Conditions for applying for bank loan business:
Natural persons aged between 18 and 65;
2. The actual age of the borrower plus the loan application period should not exceed 7 years old;
3. Have a stable occupation and income, and the ability to repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank;
6. You can apply for loan business in a local bank if you meet the above conditions.
To apply for a bank loan, you need to prepare materials:
1. Valid identity documents;
2 proof of permanent residence or valid residence, and proof of permanent residence; 3. Proof of marital problems;
4. Bank flow;
5. proof of income or personal assets problems; 6. Credit report;
7. loan use plan or statement;
8. Other information required by the bank. Conditions required for bank loans:
(1) A permanent residence of urban residents with full capacity for civil conduct at least 18 years of age or a legal and valid identity certificate, and the lender is usually required to be between 18 and 6 years of age in bank loans;
(2) having stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
how can I check whether the credit card refund has been received successfully?
If the credit card refund is successful, you can pay attention to the short message from the bank, and the quick payment of the bank card is a refund from Alipay.
to inquire about the refund, you need to log on to the bank website or go to the bank ATM to inquire and pay with Alipay.
Credit card consumption record inquiry of CITIC Bank:
1. Inquire about the credit card consumption record of CITIC Bank through SMS:
2. Click on the consumption inquiry record to inquire about the credit card consumption record of CITIC Bank, and inquire about the credit card consumption record of CITIC Bank through online banking: log in to the online banking of CITIC Bank and check the bill details.
3. Inquiries at the bank counter and bills (no extra handling fee is required for SMS inquiry)
The refund was successful, and the refund time is uncertain. You can pay close attention to the transaction records. You can check them in your credit card transaction records.
in addition, write off the funds paid at that time. Generally, it takes 3-7 working days for the refund to arrive, and mobile online banking or computer online banking will do!
Refund to a credit card does not mean that there is cash in the card, but only means that the system has passed the examination.
If you have any other questions, you can directly contact the customer service in official website.
As long as the refund is successful, it can be returned to the credit card within three days. You can check the refund details by opening the order details, which will show the last arrival time of your credit card.
The process of refunding the ticket purchased by the credit card in 1236 is as follows:
While the refund is in progress, it is recommended to pay attention to the time when the funds are returned to the bank card, which is usually 2-7 days.
there will be no SMS notification on the credit card after receipt, so don't judge whether the funds have arrived by whether you have received SMS.
the specific arrival time is subject to the bank.
if the status of the bank card is abnormal, if it is cancelled and the bank card is not returned successfully, it will be returned to the balance of Alipay account.
at the same time, pay attention to the balance of Alipay account and the fund entry of bank card.
The credit card refund of the bank can be directly inquired in the unbilled bill.
if it doesn't arrive after two days.
after the refund is successful, you can check it in the outstanding bill of the credit.
after Taobao's successful refund, the money will generally be returned to China Merchants Bank's credit card within two days.
When you use China Merchants Bank to shop in Taobao, you can call the customer service of the bank for consultation. If there is a refund, the money paid will be returned the same way. After the refund is successful, click on my Alipay, but the money doesn't arrive immediately, or it can be a mobile phone number. If there is no money, you can find out whether there is money in your Alipay, and if there is a credit card, there must be Alipay. You recall that when you registered Want Want's name, Alipay came into being at the time of registration, so don't worry. Besides Alipay, there are two channels for Taobao to return the money, which is returned to the credit card. Maybe you don't remember which one.
If you log on to my Taobao, one of the two is your Alipay. As long as you have registered a Want Want account, what is it registered with?
let's stop here for the introduction of how to check the refund of credit cards.