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How to inquire about credit card pre-authorization

How does the official account of "China Bank Credit Card" WeChat inquire about the operation path of credit card pre-authorization transaction?

Inquiring about credit card pre-authorization transactions through the official account of China Bank Credit Card WeChat is as follows: Click Account Service → Bill _ Repayment → My Bill in the lower left corner of the menu bar, and then click Unbilled → Unbilled to view the card pre-authorization transactions.

The above contents are for your reference. Please refer to the actual business regulations.

How to inquire about the credit card pre-authorization of Huaxia Bank?

Huaxia Bank Credit Card Pre-authorization Inquiry Method:

1. Cardholders can check the pre-authorization status of credit cards at any time through the customer service phone number of the issuing bank or by logging in to online banking.

2. Log in to mobile banking or online banking to check the available balance of personal credit card account, so as to check the pre-authorization of credit card.

Where can I check the pre-authorization of China Bank's credit card?

Dear customers, you can make inquiries through mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline 4006695566 and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

Summary of credit card pre-authorization inquiry methods

The use of credit cards is increasing, and it is also one of the necessary items for many people to go out now. Since it is a necessity, of course, we should know about it, but what is the pre-authorization of bank cards and how to inquire about the pre-authorization of credit cards? Buddy is really confused by monk Zhang Er. Let me sum it up for you.

1. When a pre-authorization transaction occurs, the cardholder can log in to the online bank of the issuing bank at any time to inquire about the pre-authorization of the credit card. Credit card pre-authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen amount before the deduction of the special merchant.

Second, you can also call the credit card center for pre-authorization. If the "pre-authorization" is not cancelled in time, the bank will automatically cancel the frozen quota after 30 to 45 days. It is worth noting that during this period, the frozen part of the "pre-authorization" fund amount cannot be used.

3. A bank employee explained that when the consumer makes a formal settlement of the "pre-authorization", the "pre-authorization" will be cancelled, and the funds frozen by the "pre-authorization" will automatically enter the cardholder's account and generally return to the account within 24 hours.

Fourth, the pre-authorization amount can be found on the credit card online, and generally it will not be displayed immediately. Banks have their own bookkeeping dates, which can be found as early as one day after pre-authorization, and 3 or 4 days later. If it is foreign pre-authorization, the time will be longer.

How to inquire about credit card pre-authorization

Question 1: How to inquire about the pre-authorization records of bank cards?

Nowadays, many people like to travel, and credit card has become one of the main payment methods. When traveling abroad, some hotels will require customers to "pre-authorize" their credit cards to pay a deposit according to the regulations and the number of days of stay. But some people still don't fully understand his specific concept, so everyone must be aware of it.

"Pre-authorization is mainly used for hotel reservation and check-in, which can be simply understood as the concept of' deposit'. Pre-authorization only takes up places. When the transaction is confirmed without prior authorization, the merchant cannot ask the bank for money. "

When you spend money in a hotel, hotel or car rental company, the merchant's consumption and settlement are not completed at the same time. Merchants will choose to use the pre-authorization transaction operation, ask the card issuer for authorization, and collect money from the cardholder according to the settlement amount at checkout (called pre-authorization confirmation). After the merchant requests authorization, your credit card account will freeze the credit limit or account funds within the authorized limit, and the pre-authorization will be valid within 30 days from the trading day (the additional pre-authorization limit is subject to the additional trading day). If the authorized consumption is paid or cancelled by other means at the time of settlement, the merchant shall be required to cancel the pre-authorized transaction at the same time. If the pre-authorization expires or the pre-authorization cancellation transaction is completed, the original pre-authorization credit line or account fund freeze will be automatically released. When you fail to make face-to-face checkout for some reason, the merchant will automatically deduct your transaction payment through the card issuer within the range of 1 15% of the pre-authorization amount according to your consumption records or documents within the validity period of pre-authorization.

When the pre-authorized consumption funds are settled and recorded, the original pre-authorization will be cancelled automatically.

For example, citizens go out to stay, and hotels freeze accommodation fees from credit cards through pre-authorization After checking out and confirming the consumption amount, the hotel will complete the pre-authorization of the credit card and deduct the actual consumption amount from the card. Only then did the hotel really receive this part of the money. He also said, "the pre-authorization amount generally does not exceed the upper limit of the available amount of the card. If the transaction is confirmed without pre-authorization, the merchant cannot ask the bank for money, so there will be no handling fee and interest. " For example, in the credit card centers of CCB and BOC, the customer service staff said that customers can directly ask the merchants to cancel the pre-authorization when they check out, and the credit limit can generally be restored immediately, or they can call the credit card center to inquire. If the pre-authorization is not cancelled in time, the bank will automatically cancel the frozen quota after 30-45 days. It is worth noting that during this period, the frozen pre-authorization funds cannot be used.

In Ctrip and other travel websites, in order to ensure the occupancy rate, many hotels require customers to provide credit card guarantee when booking online. The staff member said that the pre-authorization transaction is consistent with the consumption risk of ordinary credit cards. It should be noted that due to the shortage of rooms or air tickets, cardholders may need to make credit card guarantees at hotels or air ticket agencies. "If the customer needs to cancel the order, but it is not handled before the time stipulated by the merchant, the merchant will deduct the corresponding room rate or air ticket according to the agreement. In this case, it cannot refuse to pay. " In order to avoid unnecessary losses, if the customer wants to cancel the reservation, he must go through the cancellation procedures at the hotel or agency before the specified time, and ask for the cancellation number as the cancellation certificate.

Question 2: How to check the percentage of credit card pre-authorization? Hello, if you hold our credit card, the normal operation of pre-authorization is to brush a deposit on the credit card first, and then deduct it directly from the deposit when you actually check out, thus releasing the remaining credit limit. However, at present, some hotels will swipe their cards twice in specific operations, first swiping the deposit and then checking out. After that, the deposit will be cancelled and you don't have to pay the deposit (the deposit will not be displayed). The cancellation time of the deposit is long or short. If you think that occupying your credit limit may bring you inconvenience in using the credit card limit, you can promptly inform and remind the hotel to cancel it for you.

Pre-authorized transaction:

When staying in a hotel or renting a car, the merchant can use his credit card to withhold a certain amount as a deposit, and then use his credit card for actual settlement after the consumption is completed. This kind of transaction is generally called pre-authorization transaction. Pre-authorized withholding amount occupies available credit card limit. After the pre-authorization is completed, the excess available credit line can be recovered immediately.

You can manually check your pre-authorization status by credit card.

Question 3: Where can I inquire about the cancellation of credit card pre-authorization of China Merchants Bank? Hello, because Baidu platform can't verify the account information, please call our customer service hotline, and call 8008205555 for free for fixed lines. Call 4008205555 on your mobile phone, and the customer service staff will inquire for you after entering the manual.

Question 4: How to inquire about the pre-authorization of credit card unfreezing of Bank of Communications? If you find that there is no pre-authorized transaction in your pending account, the transaction is completed.

Or automatically released after 30 days.

Question 5: Credit card pre-authorization of China Merchants Bank Hello, according to your inquiry, the following common situations are provided for your further understanding.

Method of canceling pre-authorization: Method 1: The customer requests pre-authorization first, and then changes to cash settlement. At this point, the cashier can cancel the pre-authorization by swiping the customer card; Method 2: the customer requests pre-authorization first, and then pays the bill in cash, but the customer has left the hotel (that is, the pre-authorization cannot be cancelled by swiping the card), and the hotel informs the bank to cancel the pre-authorization; Mode 3: the customer requests pre-authorization first, and then leaves the hotel without checking out. At this time, the hotel should prove in writing and propose to the bank to cancel the pre-authorization and make up the account (that is, deduct the customer deposit).

If you leave the hotel, but the pre-authorization has not been cancelled: 1. If the hotel fails to settle with the bank after 30 days of pre-authorization, our system will automatically cancel the pre-authorization transaction and the funds will be automatically returned to the customer account; 2. If you want to return the funds immediately, you must complete the "pre-authorization cancellation" transaction and the funds will be returned to your account at the same time. You can write down the details, including the card, transaction date, amount, merchant name, merchant contact number, contact person, etc. , to the background processing. After the backstage communicates with the relevant personnel of the local branch, notify the customer to fax the application for cancellation of pre-authorization to the corresponding branch for processing.

Credit card pre-authorization cancellation method: customers can call the credit card center directly at 800-820-5555 (remember not to let merchants send faxes directly).

In addition, if you use a credit card to require immediate return of funds, you can theoretically cancel the pre-authorization obtained on the same POS machine. However, due to the different settings of POS machines in domestic acquiring institutions, the types of POS machines are also different, and some of them have been successfully cancelled, but not many. So in this case, pre-authorization is mostly cancelled manually.

The process is as follows: the merchant faxes the pre-authorization cancellation request to its acquiring institution, and after the acquiring institution confirms it, it sends the fax to the authorization room of China Merchants Bank Credit Card Center for relevant personnel to handle. If the authorization is cancelled on the same day, the line will be restored immediately. If it is not cancelled on the same day, it will take several working days to restore the line because it needs to be handled by the accounting office.

If you have any other questions, I suggest you add "QQ" or "WeChat" for online consultation. Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend; Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center. Please click: cc.cmbchina/...d=zxkf, thank you for your attention and support!

Question 6: The inquiry about the unfreezing of CCB's credit card pre-authorization actually freezes a part of the amount of the landlord's pre-authorization transaction, which is similar to the deposit.

In the final settlement, the general merchants will complete the pre-authorization (pay directly with the pre-authorization amount, refund more and make up less)/cancel (provided that the landlord pays in other ways, such as cash), and will not handle it.

Case 1: After the pre-authorization is completed, the merchant and the bank settle accounts. Generally, after 1-2 days, the landlord can check the transaction entry status through the credit card bill details (query method: after entering the information according to the prompts, you can query the paid and unpaid bills of the last six periods through the credit card website of CCB and the credit card service hall).

Case 2: After the pre-authorization is revoked, the landlord's quota will be automatically restored within 1-2 days.

Case 3: If the merchant does not handle this pre-authorization, the quota will be automatically released within 30 days for domestic transactions and within 0/5 days for overseas transactions.

Among them, for case 2 and case 3, the landlord can check the changes of available credit cards (the landlord can use the mobile phone number you reserved at his home, edit the text message: "3 13 #" and the last four digits are 95533, which will reply to your available credit card until the time of sending the text message).

If the landlord has other questions, you can ask.

Question 7: How to confirm that the credit card pre-authorization is 25,000 yuan? If there is no pre-authorization, you will not be deducted without consumer confirmation.

Question 8: Can the pre-authorization amount be found on the credit card online? It doesn't usually show up right away. The bank has its own bookkeeping date, which can be found as early as the second day after pre-authorization. It will take 3 or 4 days, and it will take longer if it is pre-authorized abroad.

Question 9: How long will the credit card pre-authorization be returned? After payment, the clerk can cancel the pre-authorization. If the pre-authorization is not cancelled, the bank will automatically cancel the pre-authorization within 45 days.

Question 10: How can I check the "pre-authorization" of a credit card? Nowadays, there are many people who like to travel, and credit card has become one of the main payment methods. When traveling abroad, some hotels will require customers to "pre-authorize" their credit cards to pay the deposit according to the regulations and the number of days of stay. But some people still don't fully understand his specific concept, so we must be careful. ...

Inquiry method of credit card pre-authorization transaction in China Bank

Dear customers, you can make inquiries through mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

How to check the introduction of credit card pre-authorization Let's stop here.