Before 24: 00 on the accounting day. The credit card bill is usually before 24 o'clock on the day of the bill. The bank will check the cardholder's consumption records before the billing date, but there is no specific billing time.
Generally speaking, it depends on the settlement time of the merchant when the credit card bill is repaid. Under normal circumstances, the merchant will settle the account on the second day of the cardholder's consumption, so that the consumption on the credit card billing date will be included in the next bill, and the cardholder can enjoy the longest interest-free period. However, some merchants will settle the credit card bill of the day in time, and the consumption of the day will be included in the current consumption.
How to print credit card running bill
Users can directly go to the bank counter to print credit card running bills. I took my ID card to the nearest bank outlet and told the staff that I needed to print the credit card bill. The staff will lead the user to print on the self-service printer. Most commercial banks will have self-service printers. Insert an ID card or credit card to view the details directly and print the bill.
In addition, users can also print at home, and customers who have opened online banking can download their own credit card running bills and print them out.
Introduction of bank running bill:
Bank running bill is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions between customers and banks within a period of time.
Private account running refers to the bank card (debit card) or bank current passbook in the customer's own name, as well as the transaction list of deposit and withdrawal business with the bank within a period of time.
The operation of legal person account refers to the list of deposit and withdrawal business with the bank in the legal person account of the bank customer "legal person customer" (opening a basic legal person account).
The main forms of bank flow investment: the input is the lender, and the output is the borrower, mainly including card deposit, existing, transfer, salary, renewal fee, online banking transfer, payment for goods, labor fee, etc.
Personal credit report is based on the loan records between individuals and banks, and reflects the basic situation of past business transactions. If an individual does not have a credit report, it is difficult to get a loan from a bank.
Credit card statement: the transaction record of credit card account is the transaction statement given by the bank to the customer, which can only be regarded as a transaction record, not a bank running record.
Personal flow: personal transaction details, consumption, in and out of accounts, transfer, online banking, telephone recharge, etc. Within six months.
Salary flow: individuals work in the company, and the company is obliged to pay personal income tax for employees. The monthly salary is paid by the bank, which pays personal income tax, including consumption, deposit and withdrawal, transfer, online banking and telephone recharge.
Personal flow: personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Within half a year, it is reflected in personal business flow.
Personal flow in different places: details of personal transactions in different places, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. within six months. ; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.
Enterprise flow: commonly known as enterprise statement, the total account opened by the enterprise in the local bank, and the capital flow of the enterprise within half a year.
Details of how to make credit cards flow.
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, through which customers can handle related business by themselves, and the 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 card-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 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 make a running account for credit cards
Users of credit card running bills can go directly to the bank counter to print. I took my ID card to the nearest bank outlet and told the staff that I needed to print the credit card bill. The staff will lead the user to print on the self-service printer. Most commercial banks will have self-service printers. Insert an ID card or credit card to view the details directly and print the bill.
In addition, users can also print at home, and customers who have opened online banking can download their own credit card running bills and print them out.
The credit card is overdue because after using the credit card, we failed to repay the arrears arising from using the credit card within the specified date. The overdue credit card has a serious impact on us. If it is not handled well, it will probably bring us unnecessary trouble and worry us.
Usually, after our credit cards are overdue, most banks will provide time tolerance repayment and tolerance services for the credit cards in the hands of cardholders. In other words, under certain circumstances, banks allow credit card holders not to repay their loans within a certain period of time. As long as the cardholder can call the issuing bank to apply for time and pay off the arrears in full within the limited period after the repayment date stipulated by the bank, the overdue phenomenon of the cardholder will not be entered into the personal credit information system.
In fact, the law of overdue credit cards is clearly stipulated, and the impact on credit information is only the smallest aspect. Generally speaking, overdue credit cards will bring serious consequences to individuals:
The first is fines and penalty interest.
Late payment of credit cards will result in late fees and interest. The late payment fee is charged at 5% of the unpaid part of the minimum repayment amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off.
It can be seen that the overdue credit card is not cost-effective for individuals, and the economic punishment is very heavy.
Secondly, violating the criminal law may lead to imprisonment.
Article 196 of the Criminal Law stipulates that in any of the following circumstances, those who engage in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
Using forged credit cards, or using credit cards fraudulently obtained with false identification;
Use an invalid credit card;
Fraudulent use of other people's credit cards;
Malicious overdraft.
When will the credit card bill be issued?
Generally, the consumption before the billing date of this month is included in this month's bill, and it is included in this month's bill at sunrise.
How long does it take to bill after credit card consumption mainly depends on the bill date of the card and the cardholder's consumption date. Generally, the consumption before this month's bill date is included in this month's bill and paid at sunrise of this month's bill. After that, the customer needs to repay on time before this month's repayment date (inclusive).
Consumption after this month's bill date is usually included in the next bill, and will not be paid until next month's bill date, so customers can repay on time before next month's repayment date (inclusive).
According to the customer's spending time, you can enjoy an interest-free period ranging from 20 days to 50 days, up to 56 days.
Suppose that the billing date of a customer's credit card is the 2nd day of each month and the repayment date is the 27th day of each month, then the consumption after the 2nd day of last month and before the 2nd day of this month will be logged in the 2nd day of this month, and then paid off before the 27th day of this month (inclusive); For the consumption after the 2nd of this month and before the 2nd of next month, it will not arrive until the 2nd of next month, and the customer can pay it back before the 27th of next month (you can choose to pay it off in full, or you can choose to pay it in installments or the minimum repayment amount).
This is the end of the introduction on how to make credit card bills and how to make credit card bills. I wonder if you found the information you need from it?