Generally, because the information is incorrect or the bank transfer takes time, it is not recorded, and it will arrive in 2-3 working days, so you need to wait patiently. If you don't receive the information of successful repayment, it means that the repayment has failed, so you need to contact the customer service of the credit card center for inquiry and cancel the overdue processing.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
Reasons and methods of credit card repayment display without record
Failure to repay when the repayment account number is incorrect: it is recommended to check whether the repayment account information is correct by querying the transaction records. If the wrong payment will be returned to the payer's account, it needs to be repaid again.
If it is an inter-bank transfer, the money will generally arrive within 2-3 working days after submission. It is normal not to arrive within this time. I suggest waiting patiently.
If it is not the above reasons, it is recommended to contact the bank to solve it.
Matters needing attention on short-term overdue repayment date
Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment.
If it is paid in full, there will be no cost.
If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee.
If the repayment amount is greater than or equal to the minimum repayment amount and less than the total repayment amount, interest shall be paid at 0.05%.
Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.
apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
What do you mean credit card repayment is not recorded?
The credit card has not been credited, indicating that the repayment has not yet arrived at the card. The credit card payment record takes 2 days, so it can't be found on the credit card website immediately after payment. Once the transfer is completed, your credit limit can be restored. As long as the credit limit is restored, you can shop by credit card. You can log in to online banking and select Account Management-Account Inquiry to view the available lines on the right. Please refer to the available row data found. For example, it shows that your debt is 1 000 yuan. After you repay 200 yuan, your debt is still shown as 1 1,000 yuan. Generally, it takes 2 working days for our credit card center to complete liquidation, and the debt information will be updated. Please refer to the queried "Available Line" data for the success of repayment.
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1, credit card prepayment: prepayment of credit card arrears helps you maintain good repayment habits, and the credit report shows that your personal credit is good. Generally speaking, because you actively repay the loan and leave a good impression on the bank, when you apply for a new credit card, the approval will be faster and it will be easier to raise the limit.
2. prepayment of personal loans: prepayment does not necessarily mean that you have strong repayment ability and good credit. Judging from the loan contract, early repayment is a breach of contract, and the borrower should bear the corresponding liability for breach of contract and pay a certain amount of liquidated damages as agreed in the contract.
3. What behaviors will affect the credit record?
Overdue situation. If your loan, mortgage, credit card, etc. Overdue or overdue for many times will affect your credit history. Five-level classification. If you are overdue or not overdue but unable to repay the loan principal and interest, the bank will give you five categories, which are normal, concerned, secondary, suspicious and loss.
4. When applying for a credit card, college students should pay attention to:
The materials that college students need to submit when applying for a credit card generally need to provide a copy of their ID card, a copy of their student ID card or the original certificate of their department. Some banks may also ask you to show other cards issued by the school.
College students' credit cards are all credit cards with UnionPay logo, which can be used at POS machines all over the country without extra charge.
The credit limit of college students' credit cards can be applied to the bank to increase the credit limit after half a year of use, and the bank will comprehensively consider factors such as the use of credit cards to evaluate the comprehensive credit of cardholders. The number of applications from pure college students is relatively low. If only college students or graduate students apply for credit cards, the success rate will be around 50%, and the quota will be relatively low, generally not exceeding 3,000 yuan. Some banks only approve 500 yuan cards, or even lower.
What do you mean, credit cards are not accounted for?
Unbilled bills are relative to issued bills. Unbilled bills refer to all transactions that have been registered since the last billing date but have not yet reached the billing date of this month.
During the period from last month's accounting date to this month's accounting date, all your consumer transactions are called bookkeeping.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
Most cardholders don't care about documents and don't keep them. Most of them are thrown away directly, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
What do you mean, the credit card shows no entry?
Generally speaking, the credit card unrecorded transaction refers to the time when the cardholder swipes the credit card and records it. Card swiping time refers to the time when the cardholder actually swipes the card, and input time refers to the time when the merchant's payment information is transmitted to the bank.
There will be a settlement time difference between the cardholder's spending time and the bank posting time. Sometimes the transaction of the day will be posted the next day, and there will be a situation where the credit card is not paid. Generally, credit card consumption cannot be repaid if it is not paid.
You can wait patiently when the credit card repayment is successful but it shows that it has not been recorded. It usually takes 2-3 working days to get the account. If it hasn't arrived for a long time, you can call the bank's customer service hotline for consultation, and the bank will tell you the specific reasons. It is worth mentioning that it is best to use the bank's own system when returning the credit card, so that it will arrive at the account as soon as possible.
The credit card must be repaid on time after use, and there can be no overdue situation, because there will be penalty interest after overdue. The longer the time, the more penalty interest, and the bank will collect it after overdue. If it is not repaid for a long time, the bank may lend money and must repay it after being judged, otherwise it will be enforced.
When the credit card can't be repaid on time, you can use installment repayment or minimum repayment amount. When using installment repayment, certain conditions must be met, and different installments can be selected. It is worth mentioning that repayment can be made in advance after installment, which can save the expenses of handling fees.
Overdue repayment of credit cards will be uploaded to the credit information center, which will lead to poor personal credit information and affect the subsequent handling of various loans. In order to ensure that the credit card can be returned on time after use, users can think about what income they have used in advance when using the credit card. If the income is not much, they should use it carefully at this time.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Is the credit card unrecorded transaction successful? There are two situations here.
We all know that credit card transactions are not recorded in real time. There is a fund settlement process in the middle, which is usually settled on the same day and recorded on the next day, while transactions that have not been settled are transactions that have not been recorded. It should be noted that unrecorded credit card transactions do not mean that the consumption has been successful. Usually, there are two situations.
1, successful consumption:
When brushing the POS machine, there will generally be a transaction status prompt. If the POS machine swipes the card successfully and deducts money from the credit card, this situation is that the consumption is successful.
As mentioned above, credit card transactions need to be settled by the issuing bank, merchants and collection agencies, and there is a process of delaying the collection, so the transaction will not arrive in real time, usually on the same day and the next day, then the status of this transaction will show the unrecorded transaction, but in fact the consumption is successful.
2. Unsuccessful consumption:
This usually refers to a unilateral account, which means that the transaction is unsuccessful, but the money is deducted by the bank and the money will not be settled, but the bank temporarily freezes the money.
For example, when we swipe the card, the POS will send instructions to the issuing bank for consumption. After the consumption, the issuing bank will send instructions to the acquiring institution, and the acquiring institution will succeed only after receiving the instructions. However, due to poor signal, the acquiring institution may not receive the instruction from the issuing bank and cannot print the credit card receipt. This is a case of transaction failure.
To sum up, there are two kinds of credit card unrecorded transactions: successful consumption and unsuccessful consumption. If you really don't know whether the transaction is successful or not, you can directly call the service hotline of the issuing bank and ask the customer service to help you inquire. If the consumption is unsuccessful, don't worry, the detained money is only temporarily frozen and will be returned by the original way when the bank settles.
What do you mean credit card repayment is not recorded?
1. What do you mean credit card repayment is not recorded?
In fact, the success of credit card repayment and the record of repayment are two different things. As long as the minimum repayment amount is paid on the last repayment date (including the three-day grace period), it is not overdue. As for whether there is a record of repayment, that is a matter for the bank. After all, many bank repayments are not recorded in real time.
However, we must ensure the success of repayment. After all, sometimes the repayment is not recorded because of the failure of repayment, which will be overdue. Usually, if the repayment is successful, the limit will be restored in real time. If you really don't know, you might as well call the service hotline of the issuing bank directly after repayment, and ask the customer service to help you check the repayment situation.
2. When will the successful credit card repayment be recorded?
Many banks settle accounts on 12 in the afternoon after the repayment is successful, and the accounts will be received after the settlement is successful, which means that t 1 will be received.
However, there are different time limits for repayment through different channels. For example, repayment through bank channels is basically real-time; Alipay and WeChat repayment, the arrival time depends on the repayment time, which is divided into two types: the same day arrival and the next day arrival.
3. What if there is no record of credit card repayment?
There is no record of credit card repayment, which may be that the repayment method is recorded late. As long as the deduction happens after repayment, the user only needs to wait patiently for the account to arrive. And the repayment was made, but the arrival was delayed. At this time, you must contact the bank in time, otherwise it will be considered as overdue repayment, which will cause great losses to users.
Therefore, in order to prevent the delayed payment, users are generally advised to transfer the money to the bank card 1-2 days in advance to ensure the repayment on time.
4. What is an unrecorded credit card transaction?
There is an "unrecorded" transaction in the unpaid bill of the credit card.
Usually, after the credit card is swiped, there will be a process from swiping the card to collecting the credit card bill, that is, the settlement process between merchants, payment institutions and banks. In general, the card transaction of the day will be recorded in the next day. Credit card unrecorded transactions refer to transactions that have been swiped but not yet included in the bill.
It should be noted that if the unrecorded transactions occurred around the billing date of the credit card are finally recorded before the billing date, the cardholder needs to repay in the current period; If it is finally credited after the billing date, the cardholder needs to repay the loan on the next due repayment date.
So much for the introduction of unrecorded credit cards.