How to check credit card transaction records

You can check through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, customer service hotline, outlets and other channels With your account balance, bills and other related information, you can keep abreast of the current month's account arrears to avoid delays in repayment. If you need to inquire about bills or transaction details from a year ago, it is recommended that you call the customer service hotline 4006695566 and select the No. 0 button to transfer to manual service inquiry.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How to check credit card expenditure details

1. Users can call the customer service hotline of the credit card service center, choose to transfer to manual service, and then enter the user's ID number according to the customer service prompts for consumption details. Bill inquiry.

2. Users can bring their valid documents and bank cards to the nearby bank counter for enquiry.

3. Users can check through mobile banking or online banking. First log in to their personal account, then find account management, and then check the bill.

4. Bank credit cards will send consumption bills to users on time every month, and users can check their consumption records in the bills.

Credit card repayment methods

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

How to check credit card consumption records

Credit card consumption records can be checked directly at the bank counter, or through online banking, mobile banking, third-party software and other channels.

1. Online banking: Users log in to online banking and can check transaction details after entering my account, so that they can check specific consumption records.

2. Bank counter: Cardholders bring their ID cards and original credit cards to the card-issuing bank and ask staff to help check the transaction details, and they can also print transaction details for free.

3. Mobile banking: Cardholders can log in to the card-issuing bank’s mobile banking app and check transaction details after logging in to their account.

4. Third-party software query: When the bank card is bound to third-party software such as WeChat and Alipay, consumption records can be queried through the bill.

Extended information:

The application conditions for credit cards of various banks are similar. The basic application conditions are as follows:

1. Age of the applicant

Main card Applicants must be over 18 years old, and the maximum age limit varies by bank. For example, the maximum age limit is 60 years old for China Merchants Bank, CITIC, and Shanghai Pudong Development Bank; 65 years old for Guangfa, Bank of Communications, Minsheng, Ping An, and Huaxia; and 70 years old for China Construction Bank.

Applicants for supplementary cards are generally 16 years old or above. Among them, China Merchants Bank and Agricultural Bank of China require 14 years of age or above, while Minsheng Bank and China Construction Bank require 13 years of age or above.

2. Personal financial strength

Applicants must have a stable job and legal income, and have a certain ability to repay.

3. Credit report status

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the approval 100%. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Appropriate installment arrangements

Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

That’s it for the introduction of how to check credit card consumption records.