Is CITIC s consumption voucher easy to pass, and what should I do if CITIC Bank does not have a cons

Good pass. China CITIC Bank.

Users are sometimes asked to upload consumption vouchers, mainly to prevent random inspections by the CBRC. If there is no voucher at the time of the spot check, then China CITIC Bank will be penalized. Therefore, as long as the user can provide standardized invoices, contracts, and receipts, as long as the voucher is compliant, it can be passed.

The general review process is as follows:

1.Generally, after receiving the uploaded voucher, there will be personnel from the relevant departments to review, however, because it is necessary to confirm that the uploaded consumption voucher is true and valid, it is necessary to check them one by one, such as matching the consumption voucher with the consumption purpose of the funds, so as to verify its authenticity.

2.The consumption voucher required must be 90% of the amount used, so it may not be one or two that are uploaded, but more than ten or twenty, or even more, which will take a lot of time to check, so the review time will be longer.

3.Under normal circumstances, it will take about 2 weeks to complete the review, although it is possible to complete the audit in 3 to 7 days at the earliest. After the review is completed, the bank will send an SMS notification to the mobile phone number reserved by the cardholder to inform the cardholder of the review result.

Extended information: 1. What are the consumption vouchers?

There are many types of consumption vouchers, generally as long as the cardholder uses a bank card to consume in daily life, various vouchers provided by the merchant are on the line, including: purchase orders, invoices, decoration contracts, screenshots of online transaction orders, medical vouchers, transfer screenshots, debit card bills, Alipay bills, etc., air tickets, tickets, and itineraryes.

Entrance fees to attractions, etc.

Second, how to get consumption vouchers.

1.Usually do not need to deliberately get, using a bank card to consume on the POS machine, usually will automatically print out the purchase order, if it is online shopping, some merchants will mail contracts and invoices, then you just need to keep the various vouchers received, and wait for the bank to submit it directly.

2.Of course, some cardholders may lose their consumption vouchers, and they can take the initiative to explain to the bank when the bank asks for them, saying that they accidentally lost the invoice or purchase order to see if the bank can let you pass the customs; Or if there is no receipt, you can also tell the bank that the merchant has a discount and does not issue an invoice, etc.

The consumption voucher of China CITIC Bank is still good, and now the voucher must be uploaded on time.

There is no consumption voucher for credit card cash installment, and it is recommended that users can solve it in the following two ways.

1. Users can contact the merchant to re-issue the consumption voucher based on their previous consumption records.

Online consumption can directly intercept the consumption bill, offline consumption can require the merchant to issue a receipt, and handwritten receipts are also allowed.

2. You can upload other consumption records as consumption vouchers, as long as the consumption generated after the credit card is now imitated by the credit card installment, including all kinds of consumption invoices, receipts, transaction contracts, consumption screenshots, and consumption bills for offline and online consumption can be used as consumption vouchers.

If the bank verifies that the cardholder has not uploaded the consumption voucher within the specified time, the bank will regard the user as misappropriating the funds for other purposes, and thus require the cardholder to send or settle the credit card installment amount in advance at one time, which will increase the repayment pressure of the cardholder.

When applying for an online loan, many people are told that they have become black accounts because of their lack of comprehensive scores. If it is not caused by the overdue, it is necessary to find other reasons. For example, whether it is caused by the high frequency of applying for online loans, you can find out what you are not clear about in the "Xiaoqi Xincha".

As long as you understand the reasons for becoming a black account, you can improve the big data of online lending according to the situation.

Extended information: What should I do if I can't repay the consumer loan of Beijing Bank?

If the consumer loan cannot be repaid, the user can apply to the consumer finance of Beijing Bank to negotiate the repayment.

After submitting the application for negotiated repayment, Beijing Bank Consumer Finance will review the user, and the user can repay the loan according to the negotiated agreement.

If you do not pass the review, you must pay off the overdue arrears as soon as possible, otherwise you will encounter SMS and ** collection.

In addition, the overdue record will not be recorded on the credit report, and the overdue record will be stored in the credit report for a long time, which will cause the user to be unable to apply for other loans in the future.

1. CITIC Bank Pants Bridge Bank requires the upload of consumption vouchers in order to verify the authenticity of the transaction and see whether the funds are indeed used in the consumption field. As long as the borrower does use the funds for consumption, and does not use them for non-consumption areas such as production, operation, investment, etc., it will not have any impact on the installment.

2. The misunderstanding of uploading consumption vouchers is that only the POS machine card slip can be used as a consumption voucher, in fact, the invoices, receipts, supermarket shopping bills, transaction contracts, Alipay or WeChat consumption screenshots used for consumption can be uploaded as vouchers. It is not recommended to forge consumption vouchers, otherwise it is very likely to enter the bank blacklist.

3. If the borrower does not upload the consumption voucher, China CITIC Bank is likely to require the borrower to repay the loan in full in advance at one time.

Failure to upload the voucher may result in China CITIC Bank requiring the user to settle all outstanding payments in one lump sum.

China CITIC Bank Credit Card Cash Installment refers to the large-amount "borrow cash, repay in installments" credit card cash installment service provided by the credit card center for eligible high-quality credit card holders, cardholders apply through a computer, mobile phone or ****, and the money will be transferred to your debit card or CITIC Blue Card account in real time.

Cash installment, also known as cash installment, is generally applied for by the credit card holder, or the issuing bank actively invites the cardholder to apply, converts the credit limit in the cardholder's credit card into cash, transfers it to the designated debit card (the Bank or other banks), and divides it into a specified number of months and installments for repayment.

In order to face the credit card TX that is becoming more and more fierce a few days ago

Many banks, such as Huaxia Bank's Yidajin business, after reviewing the applicant's relevant qualifications, transfer the credit line of the credit card to the applicant's account in installments, and provide disguised funds tx

Extended Materials. Consumption vouchers include receipts or invoices after consumption, if consumption is carried out on the network and no valid invoices or receipts can be issued, consumption flow can be used as consumption vouchers.

It can be divided into two main categories: original vouchers and accounting vouchers. The so-called original voucher, also known as document, is filled in when economic business events occur or are completed, used to prove that economic business events have occurred or completed, in order to clarify economic responsibilities and used as the original basis for bookkeeping, it is an important information for accounting.

The so-called accounting voucher refers to the accounting voucher that the accounting personnel classify according to the content and nature of the economic and business matters according to the original vouchers and relevant materials that are verified and correct, and determine the accounting entries as the basis for the registration of accounting books. In the whole accounting process, the accounting voucher is the first pass, if the voucher used is false or illegal, then the whole accounting cannot be true.

Banks generally require customers to upload relevant consumption vouchers. If the customer does not upload it, then CITIC Bank is likely to require the customer to pay off the instalment balance in a lump sum and then terminate the contract early, and may also charge liquidated damages.

Therefore, after receiving the notification that the customer is required to upload the consumption voucher, it is important to remember to upload the consumption voucher in time. Traps such as invoices, receipts, credit card slips, supermarket shopping bills, transaction contracts, etc., can be uploaded as consumption vouchers.

The amount of consumption vouchers uploaded cannot be less than 90% of the loan amount applied, and the number of consumption vouchers uploaded for each installment order cannot exceed 10.

<> the tuition fee will be deducted immediately after the student loan is received, and the loan funds will be put into the exclusive Alipay of the student loan of the China Development Bank of the borrowing student, at this time, the funds are frozen, and the system will immediately transfer it to the designated account of the school, and the school will deduct the tuition and miscellaneous fees and accommodation fees payable by the student in the current year.

After deducting the deficit tuition and accommodation fees, if there is any leftover, students can withdraw it to their bank card after real-name authentication of Alipay account, take it out and use it, or use it by swiping the card to cancel it for gas expenses.

<> CITIC New Express cannot provide consumption vouchers, you can call the manual customer service of CITIC Bank first, indicating that you are currently unable to provide consumption vouchers, and you need to prepare for a period of time. Manual customer service generally gives users a certain amount of time to prepare, and invoices, receipts, credit card slips, supermarket shopping tickets, etc. can be used as consumption vouchers, as long as the user retains these vouchers.

Legal subjectivity: then You Xun.

A marriage certificate is not required for a personal loan; Personal loans do not need to issue a marriage certificate, only when the individual should buy a house, he must provide personal certificate, marriage certificate and credit information materials of both husband and wife to the loan bank, and go to the bank to apply.

Legal objectivity: Article 5 of the Measures for the Administration of Personal Housing Loans The borrower shall provide the following information to the loan: 1. Identity documents (referring to resident ID cards, household registration books and other valid residence certificates); 2. Proof of the borrower's family's stable economic income; 3. A letter of intent, agreement or other approval document for the purchase of housing contract in accordance with the regulations.

4. A list of collateral or pledges, proof of ownership, and proof of the consent of the person with the right to dispose of the mortgage or pledge; Proof of collateral valuation issued by the competent authority; The guarantor agrees to provide a written document of the guarantee and the guarantor's credit certificate; 5. To apply for a housing provident fund loan, a certificate issued by the housing provident fund management department is required; 6. Other documents or materials required by the lender.

After the student loan arrives, the tuition fee will be deducted immediately, and the loan funds will be put into the exclusive Alipay of the student loan of the China Development Bank of the borrowing student.

After deducting tuition and accommodation fees, if there is any surplus in the student loan, students can withdraw it to their bank card after real-name authentication of Alipay account, take it out for use, or use it by card.

Generally speaking, there is no upfront fee for formal loan products.

So, do I need to pay a security deposit before taking out a loan?

100% yes, because the loan Baoyan good certificate, loan approval fees, loan packaging fees, loan intermediary fees, are the name of some loan platform fraud, what you need is a loan, but the other party wants your deposit itself, your margin not only can not provide guarantee for your loan, on the contrary, your margin is just the prey of those**. How can we distinguish the authenticity from the fake and find the real lending institution? Here are three skills you need to master:

1. Confirm the lending institution: Before choosing a lending platform, conduct an investigation on the lending institution to see if you can find relevant information.

2. Take the formal loan process: Before applying for a loan, first go to WeChat, have comprehensive data, understand your credit status, avoid those loan platforms that are far from your credit qualifications, and don't easily trust those who promote loans through the Internet, **, etc.

3. Do not pay the fee before the loan: The payment before the loan is actually an unreasonable way of borrowing, and the formal financial institutions will only charge the corresponding fees after the loan is issued, and the so-called credit margin, loan management fee, consultant fee, etc. are all illegal.

When choosing online loan products, we should pursue those formal institutions with reliable backgrounds and large scale and full qualifications, and do not be easily fooled by the "interest-free, low-interest, zero-threshold" advertisement, otherwise we will not pay a deposit, but an IQ fee.