When will the credit card payment arrive?

How long does it take to get the credit card?

There are only two ways to use a credit card, one is to spend by credit card and the other is to transfer money. Under normal circumstances, the credit card arrives in two minutes. Credit card consumption also has a certain relationship with credit card pos machines. Generally, UnionPay credit card readers can only receive the account the next day, while third-party credit card readers are generally special users with a relatively large amount, and receive the account within 3 days. If it is a credit card transfer, if the transfer destination matches the provided account number, it will arrive within 24 hours. In case of non-conformity or special circumstances, the agent bank will return it within 24 hours.

First, the top ten "benefits" of credit cards

We pay by credit card. In fact, the bank pays the merchants first, that is, we spend it first and then pay it back, so our cash can be used flexibly. For example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there will be no money to repay on the repayment date, which will affect personal credit.

1. Less gratitude

When you are in urgent need of cash, you can overdraw your credit card if you are embarrassed to ask your relatives and friends. Although the interest rate is like five ten thousandths, you can weigh it yourself.

2. Relative safety

Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different. Even if it is stolen or lost, we can find the loss report at the first time. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card has a record, not to mention the bank will bear the loss 48 hours or even 72 hours before reporting the loss. In addition, if you spend in cash, you may get back the counterfeit money at one time.

Keep clean and hygienic.

With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.

be economical

Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

promote

If there is a "VISA" or "MasterCard" logo on the credit card, you can spend it directly abroad, and the savings card or cash must be exchanged first; In addition, it is also convenient to book air tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; There is also the embarrassment of not changing.

6. Relieve economic pressure

If there is a certain economic pressure to pay a large amount of consumption at one time, you can use a credit card to pay in installments and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.

7. Accumulate personal credit records

More use of credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.

8. Apply for supplementary card

If you apply for supplementary cards for family members, especially children, you can basically grasp their financial status such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.

9. Easy financial management

After the billing date, we will receive a detailed consumption bill in the form of paper or email. From the bill, we can clearly understand our consumption and expenditure last month.

10. Additional benefits

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.

Second, the seven "disadvantages" of credit cards

There is no disadvantage in the invention of credit card, but some users can't use it, which leads to the disadvantage of credit card, just like a knife. "Good guys" use it to cut wood, and "bad guys" use it to kill people.

1. Blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?

2. Excessive consumption

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.

3. High interest rates

If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.

4. an annual fee is required

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.

Step 5 steal brushes

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also use passwords to apply for spending-it depends on how you manage credit cards.

6. Affect personal credit records

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car with a loan from the bank in the future-but if you don't want it, you won't be able to manage money yourself.

7. repayment difficulties

Going to the bank every month is often overcrowded; In fact, there are only savings cards with online banking, and you can repay credit cards for free without leaving home through the Internet, such as "quick money" and "Tenpay".

Criminals use the acquaintances of social networks to let cardholders relax their vigilance. The front and back photos of the credit card are required to get the credit card, the expiration date and the last three digits on the back of the card, because these three information can be paid online.

Then, what information on the credit card can't be leaked, and how to avoid falling into the trap of criminals?

(1) Don't send key information such as credit card password, the last three digits on the back of the card (credit card security code CVV2), expiration date and dynamic code. It's easy in any social network.

(2) In case the credit card is stolen, you can go to the nearby ATM to inquire or withdraw cash, and keep the receipt to prove that neither the cardholder nor the credit card belongs to the stolen credit card place, but was stolen by others.

How long is the credit card repayment record?

When credit card repayment is recorded depends on the efficiency of the issuing bank and the repayment channel.

For example, the automatic repayment of Bank of Communications is generally recorded on the day of deduction; ATM machine transfer repayment and debit card online banking transfer repayment generally arrive within 2 working days after repayment; Repayment from other banks will be received within 2 to 5 working days after transfer from the other bank; Third-party repayment (Alipay, Tenpay, etc. ) Arrive the next day after the latest repayment. In the case of China Merchants Bank, it usually takes 2 days to record the repayment (subject to the actual arrival time).

Customers are advised to pay back the money a few days before the repayment date, so as to avoid that the repayment time is too late on the repayment date, which leads to the failure to record the money in time and the overdue.

If you sign an automatic repayment agreement with the bank, you only need to ensure that the repayment bank card has sufficient funds and the account status is normal. On the repayment date, the bank system will automatically deduct the money, which will generally be recorded in real time. If the repayment cannot be made on time due to problems in the banking system, the customer can also contact the bank to make a complaint.

1. What if the credit card fails to pay the minimum repayment amount?

1. Use the delay service provided by the bank.

If it is overdue only occasionally, the funds will be repaid in a day or two. At this time, we should make full use of the bank's deferred repayment service. Every bank has one to three days' deferred repayment service, which is very important to us!

2. Ask friends or family to provide it.

Find a friend or family member to turn around, first borrow some money and pay it back in full, and then pay back the money and favor of your friend when you are well off. Of course, this method can only be used occasionally.

3. Effectively change the accounting date.

If it is predicted in advance that the credit card may not be able to repay the money at that time, you can apply to the bank to change the billing statement before the bill comes out to extend the repayment period. For example, if the billing date is 10, and I find that I may not be able to repay the loan for some reason before the 5th, I can immediately call my credit card and apply to change the billing date to 2/3/4, so that I won't issue the bill this month.

After the application for changing the bill is successful, the bill will not be issued until 2/3/4 of next month, so our repayment will be delayed for one month. Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank.

4. Installment payment or minimum repayment amount.

If you really don't pay back the credit card, or if you really don't pay back the credit card in a short time, you can consider paying back by credit card installment or the minimum repayment amount. Both methods need to pay a certain amount of interest to the bank, so they are discouraged, but they can avoid the credit stain caused by overdue payment.

Second, the consequences of not returning the credit card.

1. Interest

As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before credit card repayment, one is late payment fee and the other is penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and the interest is rolling.

blacklist

Too many overdue times or malicious refusal to repay will be blacklisted, and there is no hope of buying a car or buying a house loan in the future. Once blacklisted, it will affect your credit history, so your future cars, hotels and other aspects will have an impact.

3. Legal liability

Once you arrive at the bank, you will be investigated by law, so if you overdraw and don't repay, even if you "run away" or "disappear", it will not help. If the credit card is maliciously overdrawn for more than 90 days, the bank can handle it. Many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and the "debt collection companies" go directly to the cardholder's residence or even his hometown for collection.

For the case that the minimum repayment amount of the credit card has not arrived, we must find a way to turn over the credit card, which can be postponed or repaid in installments. However, it is best not to cause your credit stain because you haven't returned your credit card. If it causes personal credit problems, it will cause serious troubles to the identification of personal related situations, and it should be handled in strict accordance with the regulations.

Who knows how long the credit card will have points?

Credit card input time varies according to specific business conditions:

1. Credit card transactions are generally recorded in the credit card bill on the second day of the credit card trading day;

2. There is no definite time for credit card repayment at present, and the specific time is related to the speed and repayment method of internal systems of banks.

Credit card transfer repayment, credit card line real-time automatic repayment, the next morning to restore credit card line, cash line in advance after the resumption of credit card payment for 2 days.

1. 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.

2. There is no guarantee that the recipient is the applicant, because the card was mailed after the credit card application was approved. In order to protect the applicant and the bank from the loss of stolen credit cards, the card opening procedure was set up before the official card opening. Inquire about the relevant personal information provided when applying by telephone or online.

3. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

If you use a credit card, you will definitely encounter repayment. At this time, it involves a question of the source and destination of funds. Many people like to pay by credit card. Then, after the credit card is bound to WeChat or Alipay, can you clearly know your every consumption? These are all very necessary for banks. These are all inspections as a person's qualifications.

If your payee often doesn't know, then the bank can also know, that is, cash in plain English. For example, if you spend 500 yuan in a supermarket, then the bank may think it is a large consumption. However, you are smart. Next time you cash out, go to another supermarket to get 500 yuan. Even if the payees are different, people know that it is difficult for supermarkets to spend more than 500 yuan. Doing this for a long time will naturally leave a bad message.

Although this kind of "bad information" will not be directly reflected on WeChat, it will be an obstacle when you apply for a loan next time. In addition, to some extent, credit cards can accurately record your monthly consumption and income problems. If you have a credit card, you will definitely have a savings card. Because you need a savings card to pay back the money, this savings card will record the source of your funds, and the credit card will record the whereabouts of your funds.

As for how much and how to spend each month, it doesn't really matter. As long as you don't cash out after the deadline, there will be no problem. The better your running water is, the higher your quota may be, and the chances of loan success will naturally be much higher. So the function of credit card is not just consumption. What the bank needs is a long-term customer. If we give up the annual fee and interest, more and more people will use the bank for a long time, and the business volume of the bank will increase. The annual fee is only about 100 yuan. For a person to use it for a long time, this 100 yuan is completely unnecessary.

Credit card input time

Credit card input time varies according to specific business conditions:

1. Credit card transactions are generally recorded in the credit card bill on the second day of the credit card trading day;

2. There is no definite time for credit card repayment at present, and the specific time is related to the speed and repayment method of internal systems of banks. For example, ICBC and China Merchants Bank entered the account on the same day, and the traffic entered the account the next day. The normal opening time of each bank varies from 1-2 days.

Credit card entry means that the credit card is still being repaid and the repayment funds have not yet arrived. At this point, the repayment status will be displayed as being entered. After the repayment funds arrive, the amount will be restored and the repayment status will change. If the repayment status is shown as accounted, but the line has been restored, it is also considered that the user has successfully repaid.

Because the payment of repayment funds may be out of sync with the page display, as long as the amount is restored, even if the user succeeds in repayment, it will not affect the user's subsequent use of the card.

In credit card entry, users can only continue to use the card if there is a credit card limit available at present, and overdraft consumption, cash withdrawal and transfer are all possible. In credit card posting, it is usually that the repayment funds have not arrived after the user repays. Although most of the repayment funds arrive in real time, it is not ruled out that there will be delays in arrival.

In short, credit card entry will not affect users' subsequent use of the card. As long as the credit card status is normal and there is an available amount, users can continue to use the card.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

_ If you spend money without overdraft, you can enjoy an interest-free period of 20-56 days, repay the money on time and charge no fees (most banks will charge 5 ‰ interest on the day of withdrawal, and there is a 2% handling fee, while ICBC only charges interest).

How long does it take to enter the bill charged by the credit card on the same day?

The bill swiped by the credit card on the same day can be credited to the next day. Because the credit card transaction entry time: generally, there will be a certain delay after the credit card transaction on the same day, and it will be included in the credit card bill the next day. So the bill swiped by the credit card on the same day can be credited to the next day.

How long does it take to recharge the credit card?

Credit card entry time should be determined according to different situations:

1. Generally, the credit card transaction is recorded in the credit card bill the day after the credit card transaction;

2. The recording time of credit card repayment cannot be completely determined, and the specific time is related to the speed and repayment method of different banks. For example, ICBC recorded the same day and Bank of Communications recorded the next day. In most cases, the recording time of bank repayment is generally around 1-2 days.

Bill is a Chinese vocabulary, which is a voucher to record the entry and exit of money and goods. Bookkeeping or billing documents. There are usually various bills, including shopping bills, consumption bills, receiving bills and so on. , is a proof that people prove things.

A document is a written document obtained or filled in when an economic business occurs, indicating the actual situation of transactions and matters. It is the original data and important basis of accounting.

1, definition

Bill refers to the account details provided by the department or unit that reconciles with consumers. Postal bill service is a commercial letter service in which the charging unit takes consumers as the object, prints out the detailed contents of consumption in the form of bills, and informs consumers regularly by mail.

Postal bill business can meet the delivery of telephone bill, electricity bill, credit card, housing provident fund, insurance, cable TV charge information statement and various arrears notices issued by telecommunications, electricity, banking, insurance, securities, water supply, gas, taxation and social utilities.

2. Business characteristics

(1) coupons. Deferred paper coupons;

(2) consumer contracts. It is equivalent to the consumer contract signed between producers and consumers, which plays a key role in operating in good faith and safeguarding the legitimate rights and interests of consumers;

(3) communication channels. Play the role of announcement, prompt, promotion and advertisement;

(4) mode of delivery. One of the effective means to improve service quality.

3. Electronization

The 139 e-mail bill launched by mobile operators, and the partners in the power supply bureau of the United Power Grid Corporation, gas group Co., Ltd., water group and financial insurance industry, use the 139 e-mail box associated with the mobile phone number to replace the traditional paper bill with electronic bills, and regularly receive various billing information such as water, electricity, gas, banking, insurance, securities and funds.

139 mailbox billing service for government and enterprise units to save energy and reduce emissions, and advocate green environmental protection. In addition, the 139 bill is safe and efficient, convenient and quick, and easy to save.

This is the end of the introduction about the time of credit card entry and when to collect money by credit card. I wonder if you have found the information you need?