How to spend the money refunded to the credit card?

The money refunded to the credit card can be spent directly in the store or swiped at POS

Use a credit card Payment is different, so you need to pay attention to the refund arrival time when making a refund.

After a credit card refund, what is the correct way to handle the remaining money in the card?

If the credit card bill has been paid off and a refund has occurred, the refund funds will be returned to the credit card account. This money can be used to repay credit card debts, or to swipe cards, withdraw cash, and transfer funds. Cash deposited in a credit card account will become an overpayment. Some banks require a handling fee to withdraw cash from the overpayment. In this way, it will be more cost-effective for the overpayment to be used for repayment and credit card swiping.

In fact, when a refund occurs on a credit card, the refund will be restored to the amount before repayment, thereby offsetting the bill. Users do not need to repay this part of the refund amount.

A personal credit report is required for bank loans:

1. Bring your ID card or the ID card of the client and a 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. Print personal credit records;

2. Open the official website of the Chinese People’s Credit Center (Google Chrome version 3.3.2), register an account with your mobile phone number and ID card, and submit personal credit records in the personal inquiry column When applying for an inquiry, your mobile phone will usually receive an inquiry code from the credit reporting center within 72 hours. Open the official website of the Chinese People's Credit Information Center again and log in to register an account. Enter the inquiry code of the mobile phone text message in the personal inquiry column to check the personal credit information. At the bottom of the page, you can generate a PDF document to download and save.

Conditions for applying for bank loan business:

Natural persons aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not Over 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the loan purpose is legal;

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5. Meet other conditions specified by the bank;

6. If you meet the above conditions, you can apply for a loan at a local bank.

Required documents for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marriage issues;

4. Bank statements;

5. Proof of income or personal asset issues; 6. Credit report;

7. Purpose of loan Usage plan or statement;

8. Other information required by the bank. Required conditions for bank loans:

(1) A person who is over 18 years old and has full civil capacity, a permanent urban resident registration or a legal and valid resident identity certificate. Bank loans require that the borrower is usually between 18 and Between 60 years old;

⑵ Have stable legal income and the ability to repay interest;

(3) Have good credit;

(4 ) Other conditions required by the lending bank.

What should I do if the Pinduoduo refund is refunded to the credit card?

Using a credit card for consumption is a method of overdraft credit consumption, that is, after the cardholder uses the credit limit for consumption, he needs Of course, if you repay within the specified time frame, you can enjoy interest-free service. When using a credit card to make purchases, refunds will inevitably occur. So what should I do if I refund the money to my credit card? Let’s find out together.

What should I do if the money returned to the credit card is refunded?

1 If the cardholder has not repaid the credit card bill, regardless of whether the bill has been issued, the refund will be refunded to The money in the credit card will be directly deducted from the corresponding bill amount, and the cardholder will be able to pay back part of the funds when repaying the credit card. That is, the cardholder does not need to repay the refunded funds himself.

2 If the cardholder has already repaid the credit card bill, the money refunded to the credit card will exist as an overpayment on the credit card. When the cardholder uses the credit card for consumption in the future, the overpayment will be used first; the overpayment can also be used directly to repay the credit card bill; the cardholder can also choose to use the bank's ATM self-service machine to transfer the overpayment. Withdrawal, only the withdrawal of excess payment requires payment of handling fees.

That’s it for the introduction on how to use the money refunded to your credit card.