Credit card bills cannot be deleted.
Personal credit cards cannot be destroyed or deleted as long as they have consumption records or transaction details. If you want to delete the transaction details, you must cancel the credit card account first, and then the system will automatically delete the credit card details. In a word, the credit card bill is the most basic consumption information of the bank credit card center and cannot be deleted or modified.
So you don't have to worry that the bank will leak your information, but for security reasons, you must protect your personal information in peacetime to prevent it from being leaked and maliciously used by others.
How to delete bill records in mobile banking
Delete bank card consumption records, taking China Bank as an example, the operation process is as follows:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
Application version: v7.2.5
First, open the mobile APP corresponding to the bank card on the mobile phone, log in and click on my account.
Secondly, click on the query details.
Third, enter the query details page, and all the transaction details of the bank card will pop up. Long press the details and there is no response. Therefore, once the details of the bank card are formed, they cannot be deleted by themselves, but they can be eliminated by canceling the bank card. If the bank card is a savings card, you need to bring the original ID card and the original bank card to the bank counter for cancellation, which can indirectly delete the details of the bank card.
4. If the bank card belongs to a credit card, log in to the mobile APP of the corresponding bank, and then click the customer service at the top right.
5. Enter my customer service, and click here for consultation.
Six, page jump, input artificial service.
Seven, after connecting the manual service, enter the credit card cancellation, customer service will help cancel the credit card, so that the detailed records in the credit card will be indirectly deleted.
201February 2, 200514 annual payment system report released by China people's bank shows that by the end of 20 14, 4.936 billion bank cards had been issued nationwide, an increase of17.5438+03 over the end of last year. Among them, 448,654.38 billion debit cards and 455 million credit cards were issued. The data shows that by the end of 20 14, China had 3.64 bank cards per capita, an increase of 17.04% compared with the end of last year. For details, please refer to Forward-looking Report on In-depth Investigation and Development Prospect Forecast of Bank Card Industry in China.
Among them, 0.34 credit cards were held per capita, an increase of 17.24% compared with the end of last year. The per capita possession of credit cards in Beijing and Shanghai is still much higher than the national average, reaching 1.7 and 1.33 respectively. The report shows that China's credit card credit scale has grown moderately, and the credit utilization rate has continued to rise. By the end of 20 14, the total credit granted by credit cards was 5.6 trillion yuan, up 22.5% year-on-year. The average credit line of credit cards was 1.23 million yuan, and the credit utilization rate was 4 1.69%, which was 1.4 percentage points higher than the end of last year. The total outstanding credit of credit cards overdue for half a year was 35.764 billion yuan, an increase of 65.438+0.0572 billion yuan or 465.438+0.97% compared with the end of last year.
On March 8, 20 19, the central bank released an overview of the 20 18 payment system. By the end of 20 18, the number of bank cards in use in China was 7.597 billion. Among them, the number of credit cards and debit cards used was 686 million. The average person in China has 5.46 bank cards, and every two people have a credit card and a debit card. In addition, the scale of bank card credit increased moderately, and the proportion of outstanding credit overdue for half a year decreased.
How to delete credit card transaction records?
According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you have used our credit card before, we will not make any bad comments on your usage record, but only give you a truthful feedback of your historical usage record without any subjective judgment.
The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
Transaction records exist objectively and are also used for reconciliation and anti-fraud, so they cannot be deleted. The transaction records of bank cards can only be deleted if the card is cancelled, otherwise the new records will be overwritten after a long time, because the historical transaction records are generally records of one year, and the records of the previous year will be deleted in the next year.
Transaction cannot be deleted. If you don't want the product, you can negotiate a refund with the merchant. However, records of successful transactions cannot be deleted.
How does ICBC delete the consumption details?
ICBC can delete the transaction details as follows:
1. First open the ICBC client indicated by the arrow on the mobile phone desktop.
2. After opening the client, log in.
3. Next, click on my details.
4. On the following page, select the bill to delete.
5. After that, slide the bill to the right and click Delete.
InternetbankorE-bank has two meanings: one is the concept of institution, which refers to a bank that operates its business through information network; The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services and emerging services brought by the application of information technology. In daily life and work, what we refer to as online banking is more of a secondary concept, that is, the concept of online banking service. Online banking is not only a simple transfer of traditional banking products from the Internet, but also some changes have taken place in other service modes and connotations, and new business varieties have emerged due to the application of information technology.
Online banking, also known as online banking and online banking, means that banks provide customers with traditional services such as account opening, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online certification, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual banking counter on the Internet.
Online banking is also called "3A Bank" because it is not limited by time and space, and can provide financial services to customers anytime, anywhere and in any way.
Annual service fee of online banking in some banks
1: Industrial and Commercial Bank of China (12 yuan/year, no charge for the time being)
2. China Construction Bank (free of annual fee)
3: Bank of China (wealth management version 10 yuan/year, VIP version of 20 yuan/year, subject to local announcement).
4. Agricultural Bank of China (12 yuan/year, subject to the actual situation in some areas)
5. China Merchants Bank (12 yuan/year, subject to reality in some areas)
Characteristics of online banking
1: Fully realize paperless trading.
Most of the bills and documents used before were replaced by electronic checks, electronic bills of exchange and electronic receipts; The original paper money was replaced by electronic money, that is, electronic cash, electronic wallet and electronic credit card; The original paper document is sent by mail through the data communication network.
2. Convenient, fast, efficient and reliable service.
Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services. You can use the online banking service whenever and wherever you need it.
3. Low operating cost.
Due to the adoption of virtual reality information processing technology in online banking, online banking can reduce the number of business points without reducing the original business volume.
4: Simple and easy to use.
Online e-mail communication is also very flexible and convenient, which is convenient for communication between customers and banks and within banks.
Compared with traditional banks, online banking has many advantages.
First, greatly reduce the operating costs of banks and effectively improve profitability.
Online banking mainly uses public network resources, without setting up physical branches or business outlets, which reduces personnel costs and improves the efficiency of bank back-office systems.
Second, there is no time and space constraints, which is conducive to expanding the customer base.
Online banking has broken the geographical and time constraints of traditional banking business, and has the characteristics of 3A, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.
Third, it is conducive to service innovation and provides customers with diversified and personalized services.
Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services. Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to banking, customers can easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.
How to delete transaction details in ICBC mobile banking
1. The steps for ICBC app to delete consumer bills are as follows.
1. Open the Industrial and Commercial Bank of China App (version 7.0.1.2.1) on iPhone 13 mobile phone iOS 15.0;
2. After opening the software, click the button in the lower right corner of the main interface to open and enter.
3. After entering, you can see the "Login Now" button, and the login interface will appear. You need to enter your own account and password to log in.
4. After successful login, you will enter the main interface of mobile banking. You can see "Account" click to enter, find "Query Details" and click Open.
5. After entering the "Query Details" interface, click "More Query" in the upper right corner to select the consumption bill to be deleted.
1. How can ICBC query the bill details?
1. ICBC can check the bill details through mobile banking, SMS, WeChat official account, online banking, e-mail, branch counters, etc. Each statement summarizes all transactions of the credit card from the previous billing date to the current billing date, including transaction time, amount, place and summary.
2. ICBC supports setting report types by itself. Cardholders can log in to ICBC e Life, select Settings-Basic Settings-Statement Type on the financial page, and customize the credit card email/SMS statement. It can also be operated through mobile banking, SMS banking, online banking, telephone banking and other channels.
3. Take SMS banking as an example. Cardholders can edit SMS "DZZD## password or SMS banking password" or "DZZD # # password or SMS banking password" and send them to 95588 to customize credit card SMS statement or email statement.
2. What is the daily transfer limit of ICBC?
1. Bank counter transfer limit: when an individual transfers money at the ICBC bank counter, the maximum daily limit is100000 yuan.
2.ATM transfer limit: when an individual transfers money at ATM, the maximum daily limit is 50,000 yuan.
3. The limit of not opening password card for electronic banking: If the user does not actively open ICBC password card transfer business, the maximum daily limit is 1 1,000 yuan.
4. The limit for opening electronic banking password card: If the user has opened the electronic banking password card transfer service, the maximum daily limit is 5,000 yuan.
5. Limit for opening online banking U shield: If the user has already opened online banking U shield transfer service, the maximum daily limit is 6,543.8+0,000 yuan.
This concludes the introduction of how to delete the credit card bill and how to delete the credit card bill of China Merchants Bank. I wonder if you have found the information you need?