Is it possible not to upload the credit card installment purchase voucher?
No. According to regulations, cash installment payments can only be used for specified purposes, and cash installment institutions will check consumption vouchers from time to time. Once they find that the cardholder has not uploaded consumption vouchers as required, they have the right to request early repayment, so credit card cash Installment requires uploading consumption vouchers. 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. Is it okay if CITIC Bank’s credit card consumption vouchers are not uploaded?
Banks generally require customers to upload relevant consumption vouchers. If the customer does not upload, CITIC Bank is likely to require the customer to pay off the installment balance in one go, then terminate the contract early, and may also charge liquidated damages.
Therefore, after receiving the notification requesting to upload the consumption voucher, the customer must remember to upload the consumption voucher in time. Invoices, receipts, credit card slips, supermarket shopping receipts, transaction contracts, etc. can all be uploaded as consumption vouchers.
The amount of consumption vouchers uploaded cannot be less than 90% of the applied loan amount, and the number of consumption vouchers uploaded for each installment order cannot exceed ten.
CHINA CITIC BANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.
The People's Bank of China has approved CITIC Bank as a state-owned comprehensive bank affiliated with CITIC Corporation. It is a subsidiary of CITIC Corporation and an independent legal person. Registered capital is RMB 800 million. Implement independent operations, independent accounting, and be responsible for profits and losses. Branches can be established at home and abroad to operate approved banking services.
The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.A BBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase a 5% stake in China CITIC Bank, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.
In November 2015, China CITIC Bank cooperated with Baidu to jointly establish a direct selling bank. The proposed name of the direct selling bank is "Baixin Bank Co., Ltd." The investors are CITIC Bank and Fujian Baidu Borui Network Technology Co., Ltd. The registered capital is tentatively set at 2 billion yuan, and it is planned that CITIC Bank will have absolute control.
On November 18, 2015, Baidu and CITIC Group jointly announced a strategic cooperation at the Diaoyutai State Guesthouse. Baidu and CITIC Bank, a subsidiary of CITIC Group, initiated the establishment of Baixin Bank. This is China's first direct bank launched by an in-depth cooperation between an Internet company and a traditional bank. It marks a milestone step for Baidu in financial services, a vertical service field with the largest capacity and greatest growth potential. The establishment of Baixin Bank is also of landmark significance in the development of China's banking industry, creating a new model of "Internet + Finance".
From December 1, 2015, CITIC Bank customers will usher in the era of "free online banking transfers". The bank announced that it will officially launch the free domestic transfer service of personal online banking from now on. All the bank's customers who handle domestic transfers through personal online banking, including long-distance and inter-bank transfers, will enjoy "0" handling fee discount. Is it okay if the consumption voucher is not uploaded?
It is still a problem if the consumption voucher is not uploaded. Credit card consumption vouchers must be uploaded. Of course, if the user cannot upload the consumption voucher due to objective reasons such as loss of credit card consumption voucher, I must contact the bank in time and explain the situation clearly, otherwise my personal credit card account is likely to be frozen by the bank. If you do not upload consumption vouchers after taking out a loan, the borrower will also require the borrower to repay the remaining outstanding amount, and may even require the borrower to pay a certain amount of liquidated damages, which may also result in the borrower being unable to apply again. Next loan.
The process and function of uploading consumption vouchers. Generally speaking, bank credit card consumption vouchers need to be uploaded after receiving a notification from the bank. Not every user must upload them. After receiving the notification to upload the consumption voucher, the user needs to use the credit card to upload the personal consumption voucher through mobile banking. Generally, the quantity of consumption vouchers is uploaded the same as the consumption amount. This is a risk control behavior of the bank, mainly to prevent cardholders from using the credit limit for illegal consumption.
The method of uploading consumption vouchers is as follows 1. Haoxiangdai:
Banks will generally send SMS notifications 60 days after applying for Haoxiangdai, requiring cardholders to upload relevant consumption vouchers. After receiving the text message, the cardholder must send the relevant consumption voucher via email to the designated recipient mailbox mentioned in the text message within 7 days, and the subject line must be marked "Haoxiangdai consumption voucher + ID card" Number".
If the voucher is not uploaded or is not uploaded within the specified time, the cardholder's Bank of Communications credit card may be restricted from use, or the cardholder may be required to repay the outstanding Haoxiang loan in one lump sum with interest. Qing, this will double the pressure for people who are not strong in repayment ability.
2. Haoxian Loan:
60 days after the Haoxian loan is successfully processed, you may also receive a text message from the bank requesting to upload consumption vouchers.
After receiving the text message, the cardholder can directly upload it through the Pay Bar APP within the specified time. The specific operation path: Log in to the homepage of the Payout Bar APP → Installment Credit → Haochen Loan → Loan Installment History → Select a transaction to open → Upload the consumption voucher.
The above is the relevant introduction to "How to upload Bank of Communications credit card consumption vouchers". It should be reminded that the content of the uploaded consumption voucher must be consistent with the purpose of funds at the time of application, and the voucher amount must be close to the installment amount used, and the time must be after the consumption time. Is it okay if you don’t upload the credit card consumption voucher?
Credit card is a payment tool that everyone often uses. Bank credit card consumption vouchers must be uploaded. Many people use credit cards for transactions, but if you use credit cards to make purchases, you must upload consumption vouchers. The reason why banks require everyone to upload consumption vouchers is to verify the use of funds in your account.
Credit card consumption vouchers must be uploaded
Normally, credit card consumption vouchers must be uploaded after receiving the bank's request. The bank requires everyone to upload the notice before they can Perform related operations on the Internet, but not every user has to upload it. However, if the bank notifies everyone to upload it, then the personal bank card consumption voucher must be uploaded through mobile banking. Generally speaking, you need to upload the voucher for the amount of consumption. This is to facilitate the bank's inspection.
If you have not received a notification, you do not need to upload it
But if you just use the bank card normally in real life, then there is no need to upload the consumption voucher, and no one will Check it out. For individuals, if you want to know your credit card consumption record, you can query it in the credit card software. There is no need to upload the credit card consumption voucher to the Internet, because generally banks will require customers to do this. If the bank If there is no requirement, there is no need to upload it. If the bank requires customers to upload credit card consumption vouchers, but the borrower fails to upload the consumption vouchers as required, the bank will require the borrower to repay all the loans at once.
So if the customer receives information from the bank requesting to upload the charging voucher, he should operate on the Internet and upload the personal credit card consumption voucher. In this case, these bad effects will not occur. If the bank has made the request, but everyone still does not carry out the operation, then the bank will definitely require the borrower to repay all the principal.