Credit card real-time debit

Why is the credit card deducted for no reason?

Credit cards generally don't deduct money for no reason. After all, it's all from the bank. If the customer's credit card is deducted by the issuing bank, and the customer does not know the cost, he can call the customer service staff of the issuing bank. It is possible to deduct the annual fee, and customers should pay attention to repayment on time afterwards.

If it's not an annual fee, let's see if it's deducted after some business. Or did the credit card fail to pay off the bill on time after the cash withdrawal, resulting in interest, and the bank automatically deducted money from the card because the credit card signed an automatic debit agreement.

The customer had better check whether the card has been stolen by others. If there is a credit card risk, you must quickly lock the account, contact the bank for handling, and check the recent transaction details to see which merchant swiped the card. And if the bank only deducts money repeatedly or wrongly, the bank will return the wrong money after the customer reflects the problem.

What is a credit card?

Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.

Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

Generally speaking, bank cards are divided into credit cards and debit cards.

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.

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.

When is the credit card automatic repayment deducted? Automatic repayment deduction time of four major state-owned banks

Credit cards must be repaid after overdraft consumption, and many card friends will open the automatic repayment function of credit cards for fear of forgetting to repay. Every repayment date, the bank will deduct the repayment from the associated repayment card. In order to avoid the failure of deduction, the cardholder must ensure that the balance in the card is sufficient before the bank deducts money. Here is an inventory of the automatic repayment deduction time of the four major state-owned banks.

1, Bank of China

The deduction time of China Bank's credit card automatic repayment date is more complicated, mainly depending on whether the related repayment card belongs to this bank or other banks.

1) If it is a bank card, the first deduction will be made on the due repayment date, and the specific deduction time is not specified. If the account balance is insufficient during the deduction period, regardless of whether the deduction is successful or not, the deduction result will be sent by SMS one day after the due repayment date; If the first deduction fails, the second deduction will be initiated the day before the grace period, and the deduction result will be sent by SMS on the last day of the grace period.

2) If it is a card of another bank, it will only be deducted once, and the first deduction will be made on the due repayment date, and then the result of the first deduction will be sent to the mobile phone in the form of SMS the day after the due repayment date. If the deduction fails, the cardholder must take the initiative to repay, otherwise it is overdue if the repayment is not made within the grace period or the repayment amount is lower than the minimum repayment amount.

2. Industrial and Commercial Bank of China

The automatic repayment date of ICBC credit card is the due repayment date. If the cardholder doesn't want the deduction to fail, it's best to deposit enough money in the card 17 on the due repayment date, and then wait for the SMS notification of deduction.

If the system does not automatically deduct money at 23: 30, the cardholder needs to take the initiative to return the money to the credit card account.

3. China Construction Bank

The automatic repayment deduction time of CCB credit card is the morning of the due repayment date, and the cardholder must deposit enough money in the debit card at 7: 00 am.

If there is not enough money in the card, the bank will try to deduct it. If the first deduction fails, the cardholder must deposit enough money on the morning of the third day after the due repayment date, and the bank will make the second deduction, otherwise it needs to return the money to the credit card account on its own initiative.

4. Agricultural Bank of China

The automatic repayment of ABC credit card is only deducted once, and the deduction time is the due repayment date. Of course there is no specific point. It is best for the cardholder to deposit enough deduction in the repayment card on the due repayment date. If the deduction fails, the cardholder must voluntarily return the money to the credit card account within the grace period, which is still regarded as normal repayment and not overdue.

What does the real-time deduction of China Merchants Bank mean?

Real-time deduction means that banks regularly deduct and pay related fees and taxes from their cards through credit cards or debit cards entrusted by users.

Note: the premise of automatic deduction is that there is enough available balance in the card account, otherwise it will easily lead to insufficient withholding balance, delayed payment and late payment fee.

As long as there is money in the credit card, will it be automatically deducted even before the deduction date?

1. After the credit card is associated with automatic repayment, the corresponding repayment amount will be deducted from the savings card in the early morning of the next bill repayment date (at this time, all bank credit cards will be automatically deducted from the bound savings card). As long as there is enough current balance on the savings card associated with the credit card automatic repayment business on the repayment date, the deduction will be successful in the early morning of the next day.

2. If the savings card has no current balance or the current balance is insufficient, you will receive a SMS reminder that the automatic deduction failed on the same day or the next day. There is money in the credit card, which will be paid back automatically after the repayment period.

Extended data:

First, automatic repayment should pay attention to:

1. Even if automatic repayment is bound to the credit card and savings card, it is best to check whether the repayment is successful two days before the "last due repayment date" to avoid leaving a stain on your credit record.

2. Most banks will send the message "Your personal credit card account × monthly bill has been paid off" after the cardholder has paid off the current bill. If you don't receive such information, you need to make an inquiry in time.

3. After spending money abroad, if the credit card account is in arrears, you should confirm with the issuing bank whether the "automatic purchase of foreign exchange for repayment" function has been activated on the associated savings card. If this function is not enabled, the cardholder will call the bank to apply for foreign exchange purchase before the "last due repayment date" to avoid delay in repayment.