The credit card has been paid off, but the system has made a deduction, usually because the system initiated an automatic deduction on the repayment date after the user successfully repaid manually.
At this time, the user can call the customer service hotline of the issuing bank and ask the bank to refund the detained funds. After successful verification, the withheld funds will be returned in the original way.
In addition, if it is the annual fee generated by the credit card, if the annual fee is not recorded, the bank can also initiate automatic deduction to deduct the annual fee.
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, a legal person can also be an applicant.
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.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Credit card repayment also means that repayment is needed. Why?
All the credit cards have been paid off, and the user only paid the current bill. As long as the card is still in use, the next issue will continue to generate bills, and users need to continue to repay. If the user pays off all the debts of the credit card in advance and no longer uses the card in the future, then the credit card does not need to be repaid after paying off. The user's credit card has been paid off. If you don't use it for a long time, you can choose to cancel the card. After all, the card is not free for life. If you don't use it for a long time, you may charge an annual credit card fee. Different repayment channels have different accounts.
As we all know, the banking system connects the repayment channels of banks, as well as other banks and third-party payment repayment channels. The repayment channels are different, and the arrival time is different. For example, bank transfer and inter-bank transfer can generally arrive in real time, and the third payment (such as WeChat and Alipay) is not so fast. Some banks can receive the account in real time, and some may receive the account the next day, which will also be affected by the repayment time.
Although some banks have paid back the money, they usually update it the next day. Therefore, if it is determined that the repayment has been successful, even if the current status is still unpaid, it does not mean that the bank has not received the money, so as long as it is confirmed that the repayment has been successful, there is no need to worry. If the customer repays, the credit card still shows the arrears, which may be because the money has just been repaid and the money has not arrived. If the funds have arrived, it may be that the banking system has not been liquidated, so the debt situation has not changed.
By the time the money arrives, the banking system has completed the liquidation, so the credit card no longer shows the arrears. Sometimes the data will be delayed, and you can't see the real-time status. The customer can wait until the next day to repay the loan, and the information should be updated. However, it should also be noted that if the credit report shows the total debt, it will include all the loans of the customer in addition to the credit card bill. So it's no use just paying back the credit card. You have to pay back the loan, so you have no debt. If the credit card has ended and there are new charges and new bills, it can only be regarded as new debts.
The credit card limit has been paid off, why should I pay it back?
If the customer pays off all the credit card bills, then if he doesn't use the credit card afterwards, he will generally have no money to pay back. If there is a need to pay more money after credit card repayment, it is likely that the annual fee will be deducted in the future, so the customer naturally needs to pay back the deducted annual fee.
In addition, it is also possible that the customer has not paid off all the credit card bills. In detail, the customer failed to repay in full before, resulting in no longer enjoying the interest-free period, so it also generated cyclic interest, and the customer only paid the principal, but the interest has not been paid.
If it is overdue, it is useless to repay the principal. If the interest is not paid back, procrastination will cause more expenses to be paid back.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
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 repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
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Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
The credit card has been paid off, why should I pay it back?
Because the minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. So all that remains is the amount to be paid back. After the credit card is spent, you will receive the bank statement on the account date. There are two amounts, one is the payable amount in this period, and the other is the minimum repayment amount.
After credit card consumption, if it is beyond the repayment scope of the repayment person, then you can choose the minimum repayment amount, which will not affect your personal credit, but you can no longer enjoy the interest-free period after the minimum repayment.
1. Credit card repayment method
Common credit card repayment methods in China mainly include the following categories (according to the cost level):
1, intra-bank repayment
The repayment methods mainly include:
Card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2, mobile phone repayment
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3. Convenience store repayment
Convenience store repayment, mainly through the smart payment terminal installed in convenience stores to complete repayment. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
4. Inter-bank transfer
Inter-bank transfer/remittance repayment mainly includes:
Inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
5. The counter is connected.
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
6. Other ways
In addition to these repayment methods, in order to facilitate cardholders to repay, the issuing bank has also opened its own repayment methods.
2. The credit card is overdue
The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to pay back at maturity may not only lead to law, but also bear a high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.
Consequences of overdue repayment of credit cards 1
After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.
Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths.
This is the end of the introduction about why I want to return my credit card and why I want to return my credit card. I wonder if you have found the information you need?