What does "credit card credit" mean?

Credit card credit means that the card has been swiped for consumption, and the merchant has initiated payment to the bank, but the transaction has not yet been approved by the bank system.

The details to be recorded refer to your consumption transactions today or yesterday, but the transactions that have not yet reached the billing date are called unbilled transactions, which means transactions that have not yet been billed or are about to be billed. .

The reason for pending accounting: The banking system needs to count transactions every day, then enter the next system, and then perform a series of financial calculations.

1. Credit card consumption is consumed first and then settled and then recorded in the account. The consumption details of the credit card are not recorded in the account at the time of consumption.

2. Deposit inquiry method: Credit card limit information through the official website: You can query the user's available credit limit, available cash withdrawal limit and other information through the official credit card website. Balance and bill information: You can check the user's transaction details of issued bills, unissued bills, and pending transactions through the official credit card website.

1. Online banking entry

(1) Limit information: You can check the user's credit limit, available credit limit, available cash withdrawal limit, available Haoxiang loan limit, etc. through online banking Related information;

(2) Balance and bill information: Users can check the current accounted balance, transaction details that have not been billed so far, and transaction details that have been billed in the last 12 periods through online banking.

Mobile Banking

(1) Limit information: You can query the user’s credit limit, available credit limit, available cash withdrawal limit, available Haoxiangdai limit and other related information through mobile banking;< /p>

(2) Balance and bill information: Users can use mobile banking to check the current account balance, the transaction details of unbilled transactions that have been accounted so far, and the transaction details of the last two periods of bills.

Telephone Banking

(1) Limit information: You can check the user’s available credit limit, available Haoxiangdai limit and other related information through telephone banking;

( 2) Balance and bill information: Users can check the currently credited balance, transaction details of unbilled transactions that have been credited so far, transaction details of the day, and transaction details of the last two periods of bills issued through telephone banking.

What does it mean when a credit card shows that it is in the account?

When a credit card shows that it is in the account, it means that the card has been swiped for consumption. The merchant has initiated payment to the bank, but the transaction has not been approved by the bank system. . The banking system needs to count transactions every day, then enter the next system, and then perform a series of financial calculations. This may be the reason for the pending entry.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card.

In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, developing countries and regions such as Hong Kong, Taiwan, Singapore, and Malaysia have also begun to issue credit card services.

What does credit card credit mean?

Credit card credit means that the card has been swiped for consumption, and the merchant has initiated payment to the bank, but the transaction has not yet been approved by the bank system.

The reason for pending accounting: The banking system needs to count transactions every day, then enter the next system, and then perform a series of financial calculations.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit.

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card. In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, developing countries and regions such as Hong Kong, Taiwan, and Malaysia have also begun to issue credit card services.

The word "credit card" originally refers to the financial product introduced in this post, but because there were no credit cards in China before, or even debit cards without any credit card functions became very popular. Therefore, real credit cards can only be given the nondescript name of "credit card". A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), and joins VISA, MASTER, JCB and other international credit card organizations to benefit the world. Universal.

Is the credit card in the account repaid or not?

The credit card in the account is repaid, but the funds have not been entered into the account yet. The bank is processing it, so there is such a situation. show. However, if the funds are successfully credited, the page will show that the payment has been made. In addition, if the funds have not arrived for a long time, the user must contact the card-issuing bank in time and let the manual customer service verify whether the repayment funds have arrived.

After all, delayed payment may cause the user to be overdue. As long as it is the bank's responsibility, the overdue record will not be reported to the credit report.

Relevant knowledge supplement:

1. Credit card

CreditCard is a non-cash transaction payment method that banks provide to users. A microfinance payment instrument that consumes first and repays later, the earliest credit card appeared at the end of the 19th century.

Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and social needs, etc. Features. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

2. Main features

① Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent.

②Credit cards have both payment and credit functions.

Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

③Credit card is a high-tech product that integrates financial services and computer technology.

④Credit cards can reduce the use of cash money.

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security.

⑥Credit cards can simplify payment procedures and save social labor.

⑦Credit cards can promote product sales and social demand.

3. Depositing means that after you repay the loan, there will be an additional debit amount in the outstanding credit card statement. Of course, it means that the money has been paid back to your credit card and has been credited. There will be no overdue record. Of course, it does not mean that you can not be overdue if you just repay a sum of money. You have to pay back the money generated on the bill date. For example, if you consumed 560 yuan in the bill last month, then when you repay At least 561 yuan needs to be exchanged. Why should I pay back an extra yuan? It’s just in case.

4. Debit cards are generally used for deposits. You deposit how much money you lend to others, and then they repay you how much money they give you. Of course, these are all repayments to the bank card. This is in the bank card. statement. Arrival means that you have paid back the money into your bank card or credit card. Generally, it will arrive all the time.

Generally, the deposit time is the next day. Of course, this also depends on the detailed regulations of some banks. It may be delayed a lot when you encounter holidays.

No matter when we pay back the money, we have to pay it 2-3 days in advance. It will be too painful if it is overdue. After repaying the money, be sure to check whether the limit of your credit card has been reached. Do not pay back the money and change the wrong credit card, which will cause trouble and cause unnecessary losses.

What does it mean that credit card repayment is in the account?

Credit card repayment is in the account after the current balance is deposited into the card on or before the repayment date. Online banking The interface or ATM machine shows that the repayment is being credited.

Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank.

Repayment methods:

The common credit card repayment methods in China mainly include the following categories (according to the cost):

In-line repayment:

The repayment methods mainly 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.

Mobile phone repayment:

Mobile phone is a personal payment terminal of the mobile financial system, which can be used to repay money directly by swiping a card, or to perform transfers and other services. Instant payment!

Convenience store repayment:

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment:

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer:

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and 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.

Counter Pass:

Counter Pass refers to the bank cards issued by various networked financial institutions, which can be used to conduct RMB demand deposits through the counters of other bank branches registered in the UnionPay Exchange Center host system. Deposit and withdrawal transactions.

Lakala:

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals .

Xinfutong:

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided financial services by China UnionPay's inter-bank information exchange network Support innovative electronic products.

Repayment Tong:

Use "Repayment Tong" to repay, 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.

Intelligent repayment:

A new industry, its main function is to use the balance of about 5%-10% in the card to formulate consumption and repayment plans and then pay through licensed The company implements automatic recurring consumption repayments to achieve full repayment and charges a certain handling fee. The basic functions include bill management, local payment, free card application, etc.

The credit card keeps showing that it is being credited

The credit card keeps showing that it is crediting. The cardholder needs to wait patiently or call the credit card center of the issuing bank to inquire about the specific reason. Domestic consumption by credit card generally takes 1-2 days to settle, while overseas consumption takes longer to be recorded than domestic transactions. The transaction recording time and amount need to be based on the actual bill display.

Credit card repayment arrival time:

Repayment for our bank’s credit card: If you handle repayment through our bank outlets, self-service terminals, online banking, mobile banking, and WeChat, the payment will be restored in real time. The credit limit of the cardholder. If the repayment is made through the agreed account, the main credit card limit will be restored in real time after the deduction of the savings card is completed. If the cardholder repays through a third-party payment institution, the arrival time will be different.

Repaying credit cards of other banks: Repaying credit cards of other banks is an inter-bank transfer, which will affect the arrival time of the inter-bank transfer depending on the transfer channel and amount. Inter-bank transfers are generally divided into three methods: real-time inter-bank transfer, transfer after 2 hours, and transfer the next day.

The arrival time after the funds are transferred out depends on the processing situation of the People's Bank of China and the receiving bank. The actual time is based on the time when the receiving account is credited. Under normal circumstances, for real-time inter-bank transfers of less than 50,000 yuan (inclusive), the funds will arrive in real time.

Under normal circumstances, the credit card always shows that it is being credited because the bank system is processing too slowly. The cardholder can just wait patiently.

This is the end of the introduction to credit card display.