What should I do if I have any questions about credit card deduction?

How to deal with the failure of automatic repayment of BOC credit card?

How to deal with the failure of automatic repayment of credit cards:

If the balance of automatic repayment is insufficient, if the first deduction is unsuccessful, it is suggested that you deposit the balance into the automatic repayment account in time for the second deduction (repayment with other bank debit cards is not stored in the second deduction) or deposit the amount owed directly into the credit card; If the second deduction fails, I suggest you repay it to your credit card as soon as possible. For other reasons, I suggest you call the credit card customer service hotline 4006695566 for further consultation.

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.

Credit card delayed 15 minutes and received the prompt of unsuccessful deduction.

The reasons for unsuccessful deduction are as follows:

Hello, is it because there is not enough money in the card to pay back the credit card? There is not enough money, and the deduction is unsuccessful. If there is enough money to pay back the credit card, it is recommended that the deduction be unsuccessful. You'd better contact the bank to find out the reason and explain it clearly, so as to avoid bad credit after the deadline.

What if Bank of China's credit card fails to repay automatically because it has no money?

Treatment of abnormal status of credit card repayment account in China Bank;

If you use China Bank debit card, Great Wall Credit Card, current all-in-one account opened by China Bank or current savings account as the transfer-out account for automatic repayment, you need to ensure that the transfer-out account is normal and the deposit balance is sufficient. If the automatic repayment fails due to insufficient balance of the transferred-out account or abnormal account, Bank of China will inform you by SMS, and please repay through the active repayment channel before the due repayment date to avoid overdraft interest, default interest and other expenses.

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.

How is it that the credit card transaction is unsuccessful but the money is deducted?

This is called a unilateral account.

This is normal, but it doesn't happen often. This usually happens because the network signal is not good. Generally, when the pos machine swipes the card, that is, after swiping the card, it will send a signal to the issuing bank to make a consumption. However, when the pos machine received the payment from the issuing bank, it didn't receive the signal from the issuing bank, that is, it didn't print out the receipt, and at the same time, the SMS of the other bank card reminded it to deduct the money. In fact, this transaction of pos machine is a failure.

In this transaction, the bank froze this part of the money because the banking system did not know whether the transaction was successful or not; When the bank conducts liquidation, the system will return the money to the bank card of the transaction by default. It takes about two days, but it's best to promise the customer a week.

If you want to check whether the transaction is successful, you can call pos merchants and card issuers to confirm the real situation. Or call UnionPay customer service to inquire. As long as UnionPay confirms the success of the transaction, the deduction will be successful. If the transaction is really unsuccessful, just wait for the money to come back.

Extended data

Credit card use problem

security issue

1, due to the convenience and rapidity of using credit cards and the rapid development of science and technology, credit cards face security problems due to the mechanism of spending first and then paying.

2. The problem is getting more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:

3. Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc. ) pretending to be a real card, directly deceiving merchants or card issuers.

4. Cardholder: improper storage/handling of cards (expired/invalid credit cards are not destroyed, or they are not immediately invalidated after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

5. Consumer merchants: the service personnel swindle the cardholder during the consumption process, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

6. Issuer: The computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.

7. Trading system and mechanism: As long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

Repayment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

References:

Baidu encyclopedia-credit card

How to repay if the automatic deduction of credit card fails? Pay attention to these repayment items.

Many cardholders are afraid of forgetting to repay, and will open the automatic repayment function of credit cards, bind a card as a repayment card, and the bank will deduct money from the card to repay on the last repayment day. However, automatic credit card debit is not always successful. Once the credit card deduction fails, it will be repaid manually. Today, I will talk about the related matters of credit card repayment.

How to repay if the automatic deduction of credit card fails?

Automatic credit card debit will only be deducted once on the repayment date. The reason why the deduction failed was that the balance in the repayment card was not enough to repay the credit card. In this case, banks generally send SMS reminders, and cardholders should always pay attention to SMS. If it is found that the deduction is unsuccessful, it must be repaid on the repayment date, and the grace period cannot be exceeded at the latest.

As for how to repay, it doesn't mean that if the balance is insufficient, just deposit enough money in the bank card, and the bank won't deduct any more money. This requires the cardholder to repay by hand, and the repayment method is not limited. You can use a credit card to deposit cash in the ATM for repayment, or you can use a bank card to transfer money to the corresponding credit card for repayment.

But we must pay attention to the time of repayment, such as the success of cash repayment deposit; However, the channels of transfer and repayment should be chosen well, and free channels should be chosen as far as possible, such as mobile banking of major banks and UnionPay China UnionPay Express APP. Credit card repayment to prime Bank can basically be paid in real time for free.

The above is the related introduction of "How to repay if the automatic deduction of credit card fails", and I hope it will help everyone. Finally, I would like to remind you that if the automatic repayment fails, you can make full repayment or minimum repayment by manual repayment. It is best to pay in full. Otherwise, if you choose the minimum repayment amount, the third installment will not be paid off, and the pressure will be great.

This concludes the introduction of unsuccessful credit card deduction and how to deal with credit card deduction problems. I wonder if you have found the information you need?