How can I check where the money is after my Alipay refund was refunded to my China Merchants Bank credit card?

To check the refund information, you can check it through the China Merchants Bank Credit Card app Palm Life. The steps are as follows:

1. First, install the Palm Life app in the application center, as shown in the picture below

2. Click on Palm Life and log in to the app with the number used to apply for a credit card

3. Click on Card Finance in the menu bar below

4. Click on Bill Inquiry

5. There will be Alipay repayment information in the bill, as shown in the picture below

Note: If a refund is made, a negative number will be displayed, which means that the refund amount will be refunded directly and the corresponding refund degree of the credit card will be restored

Where can I check the money refunded to the credit card in the original way

1. Bank branch inquiry You can directly bring your credit card and ID card to the counter of the bank branch to ask the staff to check the refund record of the credit card, so that you can see the money returned to your credit card.

2. Online banking, mobile banking/credit card APP query You can also choose to log in to online banking, or mobile banking, or credit card APP, and then query the credit card statement to find the relevant refund records.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to check credit card refund?

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 stipulated 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. Loan purposes 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 residence in an urban area 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.

How to check the money returned by a credit card

1. Log in to the credit card website, click "Online Banking Login" on the right, enter relevant information to log in to online banking, and find Account Management - Account Inquiry.

2. Dial the customer service hotline from the landline and enter the ID number "#"-2 Line inquiry and adjustment-3 Bill inquiry.

3. Log in to the "Pocket Life" client and enter "My - Check and Repay" to check the details of issued bills and unissued bills.

This is the introduction of how to check the money refunded to the credit card.