Can credit cards be credited after 12 pm? Any news tips?

Credit cards can be received after 12 pm. If you subscribe to SMS reminders, there will be SMS reminders.

1. Credit card arrives at the account, T+ 1, and arrives at the account the next working day. (swipe your card on Friday, Saturday and Sunday and arrive next week. National legal holidays, postponed to the first working day)

D+ 1, arrive on the second natural day (excluding weekends and holidays).

D+0, real-time or today. From the time point of view, try not to swipe your card before 7: 00 am or after midnight 12, or it is okay to have a nightclub occasionally, but don't swipe your card frequently during this time period, otherwise it will be cashed out by the bank by default; Will reduce or block; From the use point of view, the second day of the billing date is the most cost-effective, because you can enjoy the longest interest-free period.

Second, the common reasons why credit card payment has not arrived:

The merchant did not receive the payment SMS and thought that the settlement was unsuccessful. This situation is very common, and it is also a common problem of some businesses. You'd better check your bank card to see if it has arrived.

Judge whether it is a unilateral account. The so-called unilateral account refers to the failure of the transaction. Although the customer received the deduction information, the money will not be paid to the merchant, and the bank will refund the money to the cardholder. When the issuing bank feeds back UnionPay or UnionPay feeds back POS, if the signal is terminated, POS will not receive the feedback signal, but the debit information has been sent at this time, resulting in the cardholder receiving the information, and POS will not place an order. At this point, it is necessary to correct the operation on the POS machine and return the card amount to the cardholder before the credit card transaction.

The customer changed the settlement card or the settlement card was not bound correctly. These two situations are very rare. Generally speaking, if the settlement card of the first transaction is bound incorrectly, this will not happen if the bill has been collected successfully before. In addition, cardholders sometimes change or report the loss of the settlement card without knowing that the payment company has settled with them. This is to check the information of the settlement card to see if the bank really hasn't arrived.

Third, if the settlement method is T 1. Today is the second working day, so the holiday will be postponed. Because of the accumulation of transactions in a few days and the large amount of data, the arrival time after the holiday is generally late, so just wait patiently. In addition, swiping a card after 8 pm is likely to be counted as the next day's transaction and the third day's payment. Reverse transaction failed. Sometimes, the cardholder will receive the deduction information after swiping the card, but the POS machine will not issue a receipt. In fact, the deal was not successful. Under normal circumstances, the cardholder will receive the refund information within 48 hours, so the merchant will not receive it. The POS payment company did not settle the account for the merchant. In other words, the bank has settled the card payment to the payment company, but the payment company has not settled it with the merchant.

Fourth, special attention: this situation can only happen in the second payment company. The first payment company is supervised by the People's Bank of China and UnionPay. Because it is supervised by the People's Bank of China and UnionPay, the same situation will not happen. At this point, you need to determine whether your POS machine is the POS machine of Qing Er Payment Company. If there are other machines, I suggest you use them after careful confirmation. 7. There is also a relatively rare situation, that is, the funds have been settled to the customer, and the customer does not know that the payment company has settled for him because of reasons such as changing the settlement card or reporting the loss of the settlement card. Check the settlement card information to see if the bank has not arrived.