The monthly bill date of China Bank is generated by the system, which is fixed for each cardholder and cannot be changed. The bank will regularly summarize and settle the current transactions and expenses of its credit card account every month, calculate the interest, calculate the total amount owed by the cardholder in the current period and the minimum repayment amount, and mail the statement.
Extended data:
Precautions for use:
1. Pre-authorization:
When staying in a hotel or renting a car, you don't need to pay a lot of cash as a deposit to the hotel or leasing company, just use a credit card to pre-authorize it through the hotel or leasing company.
Credit card pre-authorization means that the merchant freezes some funds on your credit card before you spend, and you need to sign it after you spend, so the merchant can formally deduct this part of funds.
Pre-authorization will occupy the credit limit of the card. When you settle the pre-authorization, the pre-authorization will be cancelled. Within 30 days after the pre-authorization, the pre-authorization will be cancelled automatically if the account is not settled.
2. In principle, you don't need to show your ID card for credit card consumption. If you choose to confirm the amount of credit card spending only by signing, and the merchant insists that you use your password or ID card, please try your best to cooperate. The password can be entered in 6 digits at will;
3. When the cashier swipes the card or stamps the purchase order, it should be within your sight to prevent your credit card from being misused or stolen;
4. When signing, please be sure to check whether the amount is correct, and do not sign the purchase order with no consumption amount or incorrect amount;
5. After paying the bill, please confirm whether the credit card returned by the cashier is really your own card, and properly keep the stub of the purchase order so as to check it with the bill and provide a basis for handling possible disputes;
6. If the purchase order needs to be re-filled because of an error, please ask the cashier to destroy all the purchase orders in person. If you have obtained the transaction authorization through online transaction and printed out the purchase order, you should ask the cashier to cancel the transaction immediately by swiping the card, and ask for and keep the printed voucher or the return voucher given by the merchant to avoid disputes in the future;
7. When spending by credit card abroad, there are generally three columns on the credit card shopping list: basic amount, tip and total amount. You can fill in the payment amount in the "tip" column according to your own wishes, add it up and fill in the "total amount" column, and finally sign the bill. Remind you that the total amount must be accurate to avoid unnecessary losses.
Note: Some merchants may provide dynamic currency conversion service, and the changed service will be charged with currency conversion service fee. It is recommended that you reject this service; Before leaving the country, please call customer service 4006695566 to set the transaction password to avoid the transaction failure when some overseas merchants need compulsory secret inspection; If the device only supports a four-digit password, please enter the first four digits of the six-digit transaction password.
Bank of China-Bank of China Credit Card Usage Guide