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Total expenditure represents total consumption in a certain time range. As for the final repayment, it depends on the information on the billing date. The issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Credit card expenditure amount and deposit amount

The expenditure amount is the total amount of your current bill, and the deposit amount is the total amount of your credit card.

After the bill is generated, the deposit amount of the credit card will be used to deduct the bill amount. If it is not enough to deduct the repayment amount, it needs to be repaid again.

Pay back on time and develop good borrowing habits.

How to calculate credit card consumption?

Not every expenditure of a credit card is called credit card consumption. Generally speaking, it is considered as consumption to use a credit card to trade with a POS machine in a designated merchant or to conduct online shopping on a designated website. Specifically: 1, paying the mobile phone fee is considered as transfer, not consumption. Is to transfer the money in your account to China Mobile (or China Unicom or China Telecom), and the transfer is regarded as cash withdrawal. 2. Buy electricity, as above. Transfer to the power company, and the transfer is regarded as cash withdrawal. 3. medical card: if the hospital uses POS, it is generally calculated according to consumption. But if there is an ATM in the hospital, you can withdraw money from the ATM and pay the fee. 4. Pay the membership fee online. Dual-currency credit cards can be traded online on domestic and overseas websites. If you do business according to the general online shopping method, that is, online transactions are counted as consumption. But if it is online transfer, it will be regarded as withdrawal. 5. Online shopping is consumption. 6. Paying the annual Internet access fee online and transferring money are regarded as cash. To sum up, under normal circumstances, shopping with POS machines counts as "consumption" and online shopping counts as "consumption". In the consumption part, the online consumption, house purchase, car purchase, wholesale, public welfare and other consumer transactions of merchants identified by banks that cannot accumulate points enjoy points.

What do you mean by credit card expenditure and income?

Expenditure and income of credit card

Spending is putting the income you spend into the card.

What does ICBC mean by sending a message saying that the credit card fee (overdraft interest) is 29 yuan? (Cary still has money) Will there be a bad record or

Credit card charges (overdraft interest) 29 yuan shows that the credit limit in your credit card is used up, but you still spent 29 yuan. Since there is overdraft interest, there is no money in the card. If (Cary has money), there will naturally be no bad record and no credit impact. I suggest you handle it as soon as possible, otherwise the overdraft interest will increase with time and affect your credit.

Extended data:

The English name of "credit card overdraft" is "overdraftofcreditcard". Usually, credit card overdraft in life refers to the short-term overdraft given to cardholders by credit card issuers within the prescribed limit when shopping with cards.

For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed. Overdraft interest is generally much higher than bank loans in the same period, and card issuers also have a set of measures to prevent and recover overdraft risk losses.

What do you mean by the final book balance and total expenditure in the outstanding credit card bill of Bank of China?

The book balance of the previous period represents the amount owed or deposited by your credit card when bookkeeping; Total expenditure represents the total expenditure amount of your card.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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

The introduction of credit card consumption ends here.