How to check the transaction records of bank cards on mobile phones?

1. Check through the mobile banking APP.

First confirm that the bank card has opened online banking and mobile banking. After confirmation, download the bank mobile banking APP, open the APP, enter the bank card or online banking account number and bank card password, and log in to the mobile banking.

Next, perform the query operation. Note that the interface layout of mobile banking APP in different banks is similar. First find "My Account" or "Account Management" in mobile banking, click to enter the account, then find the bank card to be queried in the account, and click to enter the bank card service page. Find "transaction details" or "transaction record query" in the menu bar of the bank card service page.

In the query page, first select the transaction date and other information to be queried, and click OK to refresh all transaction records within the transaction date. If no transaction date is selected, the system will automatically display the last three transaction records.

In the mobile banking APP of individual banks, the transaction information will be encrypted (the transaction amount will be displayed as "*"). In this case, you need to make some settings changes on the bank's APP: find the "switch" that trusts encryption and decryption in the "Security Settings" or "Security Center" and set the status of the "switch" to decryption (display encrypted information).

2. Inquire by calling the bank's customer service phone or receiving short messages.

When making a phone call, select the service to be inquired according to the voice prompt after dialing, and press the number keys to operate. Or press "0" to turn to manual service and tell the customer service staff the specific date or time period of the transaction record to be inquired. Short message inquiry is a report made by the bank to the cardholder after the cash flow of the bank card occurs. Generally, only a single transaction record can be found.

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How to query the bank card slip with mobile phone?

1, check at the bank counter. If users want to check the bank's running water, they can bring their ID cards and bank cards to the counters of nearby bank outlets, which is very convenient. Of course, users need to pay attention to the fact that if they use loans, they need to find bank staff to help stamp the bank outlets.

2. Use the self-service inquiry machine for inquiry. Usually there is a self-service inquiry machine in the bank. After users put on their ID cards and bank cards, they can enter their passwords to check their bank flow. At the same time, you can also use the self-service inquiry machine to print.

3. Online banking inquiry. The premise of using this query method is that users need to open online banking function. After this function is enabled, users log in to their online banking. Find the bill of personal account, select the cycle, and you can query the bank flow.

4. Mobile banking inquiry. This query method is basically the same as online banking. Users also need to open the function of mobile banking, download the bank's app on the mobile phone, enter the account number and password to log in, and check the bill details after entering the account. You can see the flow of bank card accounts. But this method can only be queried, not printed.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true. [ 1]

From August 1 2065438, the annual bank card fee was cancelled and some basic financial service charges of commercial banks were suspended [2]. 20 19 on April 22nd, China unionpay released the report on the development of China bank card industry (20 19) [3]. On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card [4]. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".

2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank. [22-23]

Editing and broadcasting of card types

Classification method

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic cards and overseas cards;

It is divided into personal cards and unit cards according to different issuers;

According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.

debit card

Back of ordinary bank card

Back of ordinary bank card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

credit card

credit card

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

credit card

Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Semi-credit card

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the credit card consumption [18] and the deposit balance in the cash withdrawal account are insufficient to pay, the cardholder can overdraw the consumption and cash withdrawal within the prescribed credit limit and charge a certain interest. There is no interest-free repayment period.

Quasi-credit card is a kind of credit card with China characteristics, and there is no such credit card abroad. At the end of 1980s, China banking introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, China's banking industry carried out some reforms on foreign credit card products, changing the traditional interest-free and interest-free overdraft of foreign credit card deposits into deposit interest-bearing and overdraft interest-bearing ones.

Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, the cardholder can make a small overdraft within the limit approved by the issuing bank, but the overdraft amount bears interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.

On the whole, the characteristics of quasi-credit cards mainly include:

(1) Generally, it is necessary to pay a deposit or provide a guarantor to apply for a quasi-credit card;

(2) Interest is calculated for deposits in quasi-credit cards;

(3) Quasi-credit cards can be overdrawn, but there is no interest-free repayment period for overdrawn funds. Interest shall be calculated from the date of overdraft and must be paid off in one lump sum, with no minimum repayment amount.

As a transitional product in the development of China's credit card industry, quasi-credit cards are gradually withdrawing from the historical stage. In our real life, the use and significance of quasi-credit cards are gradually decreasing.

Digital bank card

On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. [4]

On August 3, 2020, KLOC-0, China UnionPay released the first digital bank card "UnionPay Unbounded Card". [ 14]