How long does it take for Industrial Bank to check consumption vouchers for cash advance?

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Does the Industrial Bank consumption voucher have to be uploaded... Expand

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Industrial Bank Suixing Branch requires uploading consumption vouchers, and the bank will send a text message request To upload consumption vouchers, cardholders need to take photos or screenshots of invoices, receipts, receipts, order forms and other vouchers for goods or services purchased with Suixingfen funds, and upload them through Industrial Bank WeChat official account or online banking and other channels.

It should be noted that the date of the uploaded consumption voucher must be within 90 days after the Suixing Point transaction date, and the amount must be greater than 80% of the Suixing Point amount processed.

1. Why do we need to provide consumption vouchers?

1. Some banks conduct random checks to verify the consumption of the user's funds, which are prohibited from being used for investment and financial management, purchasing houses and cars, and for repayment. The other part is that the bank's risk control is under control, so you need to provide vouchers, otherwise the bank will force you to settle in advance (most of them are not used for real consumption, and there is no ability to pay it all at once). It must be very annoying for such friends. Tangled in every possible way.

2. The voucher provided generally contains the details of the payment to the bank's debit card, and has a clear request time, and is sent to the designated email address. If it cannot be provided, or the verification fails, Then I hope you are prepared to pay it off in one lump sum.

3. Almost all consumer loans from credit cards or banks are randomly selected or detected by risk control. These can be said to be irregular use or bad luck!

4. Another important point is that if the consumer loan is applied for in Bank A, and the debit card used for the payment is also Bank A, and the amount is not used for consumption, then Bank A can check it internally. get. There is almost no way to save this situation! If it is not a bank A's debit card, generally speaking, the consumption flow provided is not used for other situations, then it can be passed. It is difficult to get the A card from bank A, otherwise you can still operate it.

2. After using the card to make a purchase, the user needs to keep the consumption voucher and invoice for review.

On this point, most banks have not fulfilled their obligation to notify in advance. Let's go through the credit card collection agreements and card usage regulations of various banks to see if there is such an eye-catching reminder: asking users to keep the consumption voucher after each purchase. Some banks will provide cash installments and cash advances, reminding users that they need to keep consumption vouchers, invoices and other information, but do not indicate how long they need to keep it. Furthermore, the SMS and WeChat notifications from each bank after the card is swiped are instant, but the consumption SMS reminders/WeChat official account consumption reminders of all banks do not remind users to ask for and retain consumption vouchers, let alone the retention time.