The printing method of credit card running bill is as follows:
First, print at the bank.
Credit card journal can be directly logged into credit card online banking. Take China Merchants Bank as an example.
Select the bill details to be queried in Account Management-Bill Query, and select Print or Download in the bill details; Account management-Unbilled query can also print or download the unbilled details.
Second, the outlet bank print
Cardholders can apply for printing credit card running bills at the counter of the card bank outlets. It should be noted that the credit card running bill needs to print the official seal of the bank to take effect, otherwise it can only be viewed and has no effect.
III. Printing of self-service equipment of branches and banks
Now, in order to improve work efficiency and facilitate customers, most banks are equipped with self-service equipment, and customers can handle related business by themselves through self-service equipment. Self-service equipment can directly query the running details of bank cards or print them out.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
App version: v 10. 1.0
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 installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.
In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.
Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.
How to check the consumption records of credit cards?
Credit card consumption records can be queried in the following ways:
1. Check credit card consumption records through online banking. Log in to personal online banking, find the credit card section, select the query period, and click Query.
2. Call the bank's free customer service phone to inquire about credit card consumption records, consumption records and bill details. Every bank has a special credit card customer service department, which can consult them, input personal information and inquire about consumption records.
3. Check the monthly statement of the bank. There are two forms of statement here. One is that the bank sends it to you by mail, and the other is that the bank sends it to you by electronic bill. There are detailed consumption records on the statement.
You can call customer service. Online payment is a bit slow, but for safety, please call customer service.
Customer service phone can also query consumption records according to voice prompts! There is also the seller who paid with you to confirm again to see if you paid successfully.
Credit card is a kind of consumer credit certificate given to us by the bank. Generally speaking, as long as our personal credit information is good, we can handle credit cards in many banks. Credit card really facilitates our life, because it can help us solve problems when we are short of money. It can be said that credit card is a timely rain in the process of our economic pressure.
But I believe that many friends may ignore some very important details when using credit cards. If we don't pay attention to these details, we may suffer some credit card charges. In this case, it will bring us an unpleasant experience when using credit cards. Now let's look at the four main details that credit card consumption must pay attention to.
First, never use POS machines to withdraw cash from credit cards. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1%. For example, if we spend 2000 yuan, there will be a service charge in 20 yuan.
Some friends are too clever. In order to save the cost of withdrawal procedures, I applied to open a POS machine, and then I swiped my card at my home POS machine to cash out. You can cash out many times by using the machine, but if you cash out many times, the bank will control the risk and may turn off your credit card consumption and cash withdrawal function, and then it will not be worth the candle.
Second, don't use up your credit card spending limit at one time. This phenomenon does exist in real life. Some young friends who are short of money, no matter how much money they have, try their best to use up their credit cards.
Not knowing how to use this credit card is not good for you. The limit of a credit card is only 1 10,000 yuan. If you use it all at once, it is equivalent to an overdraft of 10 thousand yuan. With such regular consumption behavior, banks will think that you have a bad habit of excessive consumption, and the greater the risk of funds. That won't promote your credit card limit in the future, but it may be reduced.
Third, don't affect personal credit information because of overdue, and try to use the automatic repayment function of credit card. We know that credit card spending is easy, but it may become a bit passive when it comes to repayment. Many friends know their credit card repayment date, but on the repayment date, even if the bank has sent a warm reminder to repay on time, more than 60% credit card holders will still forget to repay.
Because the pace of life is too fast now, everyone's life is under great pressure. Some credit cards are too busy at work and too many trivial things in life to be returned. Therefore, we must bind the repayment bank account and open the automatic repayment function of credit card to avoid overdue.
Fourth, don't give your credit card a dormant period, let yourself pay the annual credit card fee. Some friends have not made any credit card consumption behavior even within one year after applying for a credit card, because they may rarely use it.
Although I didn't spend a penny, most banks have clear regulations: only when I use my credit card for a certain number of times or a certain amount can I be exempted from paying the annual fee. The former has been dormant for a year, so it has to pay hundreds of yuan to the bank every year. Then it's really ridiculous that your credit card bears the financial burden of the annual fee without spending.
What about the credit card bill details?
The bill details of credit card/KLOC-within 0/2 months can be inquired/downloaded/printed through the popular version and the professional version. Mobile banking and handheld life only support inquiry for the time being. The bill does not show the name of the counterparty.
Tips: 1. Credit card bills cannot be printed at the counter and VTM. 2. There are multiple credit cards in the name, and the transaction record will show the four digits of the transaction tail number. 3. You can also call the credit card customer service hotline to enter the manual service to check the credit card bill.
The specific query method is as follows:
1. Pocket Life: After logging in to Pocket Life, click My → Review Repayment in the lower right corner. In the account column of personal consumption card, click < b > Bill Check to select current bill, open bill and historical bill. If you have any questions about the transaction, you can contact the credit card customer service phone to verify it manually for you.
2. Mobile banking: You can log in to mobile banking, check the bills of the last 12 months on the home page → credit card → bills, and click the month to check the details. If you have any questions about the amount of your statement or a transaction, you can contact the credit card hotline for manual consultation. Mobile banking can't download and print bills. I suggest you handle it through the popular version or the professional version ~
3. Online Banking (Popular Edition or Professional Edition): After logging in to online banking (Popular Edition or Professional Edition), click Credit Card → Account Management → Outstanding Bill Inquiry/Bill Inquiry.
Billing: Click "Billing Details → Click to Download Financial Details", print it in PDF format and affix the special seal for business acceptance.
Unpaid bill: click "Download" or "Print" on the right side of the page, and the print format is Excel, with the special seal for electronic receipt affixed.
Tips: Credit cards have no receipt printing function and do not provide English bills; The print format cannot be changed for the time being.
(Response time: June 24, 2020 10. Please refer to China Merchants Bank official website for the latest business changes. )
How to inquire about the details of credit card historical bills?
You can check your account balance, bills and other related information through China Bank's mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline, outlets and other channels, so as to keep abreast of the current month's account arrears, so as not to delay repayment. If you need to inquire about the bill or transaction details of a year ago, I suggest you call the customer service hotline 4006695566 and select the 0 key to turn to manual service for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This concludes the introduction of credit card list and how to view it. I wonder if you found the information you need from it?