China Bank Credit Card Status Inquiry:
You can check the credit card status through personal mobile banking of China Bank, official account of "China Bank Credit Card" WeChat or call the customer service hotline of China Bank at 4006695566.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to query credit card information
Check credit card information:
1. Bank outlet inquiry: You can go to the bank outlet to inquire about the detailed credit card bill from the bank teller.
2. Log in to personal online banking: the credit card holder logs in to the online banking of the issuing bank, and makes bill inquiry through the credit card inquiry in the account inquiry service. If you use the credit card of Agricultural Bank of China, please log in to your personal online banking and click "Credit Card → Inquiry → Inquiry Bill" to inquire about the outstanding bill details of your credit card and the statement of the bill for the last 12 months, including the payable amount, minimum repayment amount, consumption record, repayment record, etc.
3. Log in to the mobile banking APP: download the official APP that logs in to the credit card issuing bank, and then bind your own credit card, so you can directly check the bill.
4. Call the bank's customer service hotline: You can call the service hotline of the credit card issuing bank, switch to manual service, and ask the customer service for help.
5. Some banks can query credit card bills by SMS: For example, CCB can query by sending CCZD#++ by mobile phone.
6. WeChat inquiry: If you use the Agricultural Bank of China credit card, please pay attention to the official account of WeChat of China Agricultural Bank, and click "Credit Card → My Bill" to view the current bill details, outstanding bill details and historical bill details. Including ordinary transaction details, installment transaction details and special bills.
Operating environment: Microsoft Edge version 95.0. 1020.40 wechat version 8.0. 16 China Construction Bank harmonyOS5.6.0 version 5.6.0.
At present, most banks support online inquiry of credit card arrears. Among them, the more common online query channels are WeChat official account, online banking, mobile banking and so on. This query method cannot directly see the credit card arrears, and the cardholder can only see the available credit card amount when logging in, so it is necessary to subtract the available credit card amount. In order to get the amount owed by the credit card. Then add up the debt amount calculated by each card, which is the total credit card debt that the cardholder needs to repay. But relatively speaking, the accuracy of this query method is not very high, especially in the case of credit card installment. After all, we owe not only the installment principal, but also the installment fee for each installment.
How to check whether the credit card can still be used?
1, you can go to the bank for detailed consultation, or you can call the credit card customer service hotline for dialogue, and then go to the relevant bank for inquiry.
2. Bank SMS inquiry. When you use the credit card abnormally and use the card irregularly, the bank will feel that your card use behavior is sensitive, and will send a text message to remind you to pay attention to using the card. You can also conduct SMS inquiry yourself.
Extended data:
1, some advantages of using a credit card: you can spend without overdraft and enjoy an interest-free period for a certain period;
Credit card consumption is safe and convenient, and credit card can also accumulate points;
You can enjoy the discount by swiping your card at the bank's special merchants;
Accumulate personal credit and form a good credit record;
National access is barrier-free, and cash withdrawal or consumption can be made at ATMs and POS machines with UnionPay logo.
2. Some disadvantages of using credit cards:
If there is no plan, overdraft consumption with credit card will easily lead to blind consumption;
Failure to repay on time will result in overdue records and affect personal credit.
You can spend without deposit overdraft and enjoy an interest-free period of a certain period;
Credit card consumption is safe and convenient, and credit card can also accumulate points;
You can enjoy the discount by swiping your card at the bank's special merchants;
Accumulate personal credit and form a good credit record;
National access is barrier-free, and cash withdrawal or consumption can be made at ATMs and POS machines with UnionPay logo.
3. Brief description of the credit card:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.
How to check whether your credit card is normal?
Open the Baidu 12.23.5. 10 browser in the iPhone 4. 1 version. When the bank card is abnormal, it should be solved according to the specific situation. Common anomalies and solutions are as follows: 1. The account is abnormal due to arrears: if you know that the bank card is in an abnormal state due to arrears, you can apply for opening an account for the staff in the business hall with your bank card and ID card, and pay off all the arrears in time. 2. Transaction risks lead to abnormal accounts: If there are++and++transaction risks in bank card accounts, the use of personal bank cards may be restricted. At this point, the cardholder can call the bank customer service phone to manual service, explain the specific situation, indicating that the card has no transaction risk for the time being, and apply for thawing. 3. Abnormal account caused by the failure of the bank's internal system: If the above reasons are eliminated, the customer service consultation fails, which may be a network problem of the bank's internal system.
When using a bank card to pay, if it exceeds the monthly limit set by the bank, you can first change a bank card to pay, or apply to the bank to modify the monthly maximum limit. The method of modifying the quota is as follows:
1. Bring your ID card, bank card and other related materials to the nearest bank counter to ask for the revision of the maximum monthly refundable amount, and the bank staff will increase the amount in the system.
2. Log in to online banking, find the "limit management" function on the bank card management page, and adjust the maximum monthly payable limit on the page.
3. Call the bank's customer service hotline directly and make adjustments according to the voice prompts or directly ask the customer service for online help.
If it is WeChat, you can choose to change payment or bank card.
Open WeChat, click "Me", click "Payment", click "Wallet", click "Bank Card", click any bound bank card to view the bank card limit. For example, the single limit of CCB is 10000, and the daily limit is 50000; ICBC has a single limit of 30,000 yuan and a daily limit of 50,000 yuan; The standards of each bank are different, subject to the actual situation. If the credit card exceeds the limit of 2 1 13, it means that the cardholder swiped the card 526 1 times today, reaching the highest consumption of 4 102 degrees on that day, and can no longer swipe the card 1653 for consumption.
How to check whether the credit card is frozen or deactivated?
[1] Bank card holders can call the customer service number of the issuing bank, then transfer to manual customer service, and then ask whether the bank card is frozen.
[2] Cardholders can also go directly to the bank counter, and then provide relevant bank cards and ID cards, and ask the counter staff to assist in the inquiry.
[3] In addition, the cardholder can also go directly to the ATM to withdraw money. If he can't withdraw money or can't get money, he will be frozen.
1. Don't cancel your card before you have a bad credit record. Under normal circumstances, once the credit card is received and the account is cancelled, there will be no more expenses in the card. However, it is necessary to remind cardholders that account cancellation cannot be "reckless". Usually, the bank will check and keep the personal credit information of users in the last two years. If there is a bad record before closing the account, the information will always be placed in a prominent position at the top, which is easy for the bank to refer to. In this case, it is recommended to continue to use credit cards, develop good repayment habits, gradually accumulate good records, and compress bad records to the corner until you quit the information records of these two years.
2. Remember to confirm that the credit card is invalid when it expires. Although many credit card regulations stipulate that credit cards will automatically expire after expiration, some credit cards issued by banks have not been stopped after expiration, which brings economic security risks to cardholders. It may be that the card was abandoned by others and stolen, or it may happen that "the annual fee continues to be generated" and "the interest is generated and the arrears are caused". This situation belongs to poor bank management, and cardholders should pay for the arrears caused by the expiration of credit cards. However, it is necessary to remind cardholders that in order to prevent such troubles, it is best to remember to confirm with the issuing bank whether the credit card has expired, and cut off the magnetic stripe of the expired credit card when the card expires.
3. Loss reporting due to account freezing does not mean that repayment is not required. The bad record caused by the annual fee is the first record in principle, and you can apply for cancellation of the record. In addition, the freezing and loss reporting of accounts cannot be exempted conditions. Remind cardholders that when freezing or reporting the loss of the credit card in use, if there is still money in the card to be repaid, they should continue to repay it until it is paid off before the repayment date. If the default behavior caused during this period will also be entered as a bad credit information application.
So much for the introduction on how to check the status of credit cards.