The billing dates of Ping An Bank’s credit cards

The billing dates of Ping An Bank’s credit cards are 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 13, and 14 , 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28 for cardholders to choose from. However, the statement date can be modified, and Ping An Bank stipulates that it can only be modified once within 6 months.

The statement date of Ping An Bank's credit card is a certain summary of the previous consumption cycle of the credit card. Let cardholders know how much they should repay on the repayment date. Users can raise funds between the billing date and the repayment date, so that they can repay on time on the repayment date, and do not overdue the repayment.

If the user does not know the repayment date of his credit card in normal times, he can call the Ping An Bank credit card customer service hotline to ask, so that he can get the billing date of his credit card. The repayment date is generally the 18th day after the bill date. For example, if the bill date is on the 1st, the final repayment date is the 19th.

It is very helpful for users to repay the money on time on the repayment date to increase the credit card limit. If the payment is overdue, it will affect the personal credit report. After the credit report is obtained, the debt will be paid off. , this overdue record will be kept for 5 years, and will automatically disappear after 5 years, and will no longer exist in the credit report.

What is the repayment date for Ping An Credit Card?

The repayment date for Ping An Credit Card is not uniformly fixed, and the repayment dates vary among different cardholders.

The billing dates for Ping An Credit Card are usually the 3rd, 5th, 7th, 10th, 13th, 15th, 17th, 20th, 22nd, and 25th of each month, corresponding to the repayment The days are the 21st, 23rd, 25th, 28th, the 1st of the next month, the 3rd of the next month, the 5th of the next month, the 8th of the next month, the 10th of the next month, and the 13th of the next month.

Please check the bill for the actual repayment date, or call the Ping An service hotline 95511 for consultation.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Extended information:

Advantages of credit cards

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used when there is no cash in the card. For ordinary consumption, in many cases it is enough to repay the consumption amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

Disadvantages

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, , a high amount of interest will be charged, usually 50,000 per day.

Swiping cards for blind consumption is not like spending money one by one like paying with cash. Once you swipe, you don’t feel anything, just a few numbers, which leads to blind consumption and money flowing like water.

Excessive consumption of laptop installments, digital camera installments, and smartphone installments. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.

High Interest Rates If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge you high interest rates. (The minimum first-month repayment of a credit card shall not be less than 10% of the overdraft amount of the month).

Credit cards that require annual fees basically have annual fees, but they basically have annual fee-free policies. For example, China Construction Bank only needs to swipe the card three times a year to waive it; but you have not swiped the card in a year to reach the bank. A specified number of times requires an annual fee.

How to calculate consumption on the billing date of Ping An Bank Credit Card

When cardholders make purchases on the billing date of Ping An Bank Credit Card, the consumption amount will be calculated in the next period's statement.

Currently, according to Ping An Bank’s regulations, if the cardholder consumes before the bill date of the current month, the consumption amount will be settled in the current bill. Cardholders swipe the card for consumption on the bill date and after the bill date of the month. Yes, the consumption amount will be recorded in the next bill. For example, if the billing date of Ping An Credit Card is the 3rd, then the amount consumed by the cardholder on August 3rd will be included in the statement on September 3rd, and the amount consumed between July 3rd and August 2nd will be included in the statement. The bill will be issued on August 3rd and will appear on the August bill.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also It has many special functions and provides cardholders with comprehensive security protection covering "safety in consumption, safety at home and safety in travel".

Billing date: The credit card billing date refers to the card-issuing bank's regular monthly summary and settlement of various transactions and expenses that occurred on the credit card account in the current period, and the calculation of the total amount owed for the current period and the interest. Minimum repayment amount and statement mailed to you. This date is the statement date of the credit card;

Repayment date: For non-cash transactions with a credit card, the date from the bank statement date to the due repayment date is the interest-free repayment period. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the bill date to the last repayment date, and the longest is from the day after the bill date to the last repayment day of the next month.

After the Ping An Credit Card is issued, the cardholder needs to repay on the 18th day after the statement date, that is, the cardholder needs to repay on the repayment date.

Ping An Bank’s credit card consumption details can be queried through the following methods:

1. Dial Ping An Bank’s customer service hotline 95511 and follow the voice prompts to the manual customer service for enquiry.

2. Log in to the official website of Ping An Bank Credit Card and click on the bill inquiry in the right column to check the consumption details.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

Official website address:

3. Bring your ID and credit card to a Ping An Bank branch and check the consumption details at the counter.

Ping An Bank Credit Card Statement Date

When applying for a Ping An Bank credit card, the cardholder cannot specify the credit card statement date. Ping An Bank will randomly assign a date to the cardholder as Credit card statement date. Therefore, the initial billing date of Ping An Credit Card may not meet the cardholder's needs. Cardholders can call Ping An Bank's credit card customer service hotline (95511-2) to modify the billing date of their credit card.

Currently, Ping An Bank cardholders can choose a date among the 5th, 7th, 10th, 13th, 15th, 17th, 20th and 25th of every month. The billing date of your credit card.

In order to prevent cardholders from modifying the credit card statement date too frequently, Ping An Bank has limited the number of modifications that cardholders can make: within six months, cardholders can only modify the credit card statement date once.

Corresponding to the credit card statement date is the final repayment date of the credit card, and the final repayment date of the Ping An Credit Card is the 18th day after the credit card statement date. Assume that a cardholder's credit card bill date is the 20th of each month, then the cardholder's final credit card repayment date is the 8th of the next month.

Since overdue repayment will have a negative impact on the cardholder's personal credit, it is best for the cardholder to complete the repayment a few days before the final repayment date to avoid delays in the arrival of funds. reasons, leading to late repayment.

When is the billing date for Ping An’s standard credit card? Five ways to quickly check

Ping An Bank’s Ping An Standard Credit Card has been attracting many people to apply for it since it was issued. After people use the credit card to make purchases, they need to repay before the specified deadline. This is about credit cards. Information about the billing date. So, when is the standard billing date for Ping An’s credit cards?

There are eight billing dates to choose from for Ping An Bank credit cards: the 5th, the 7th, the 10th, the 13th, the 15th, the 17th, the 20th and the 25th.

However, the billing dates for Ping An Bank credit cards are randomly assigned, and each cardholder's billing date may be different. The due date for repayment is 18 days after the billing date, so you need to Repayment is required within 18 days after the bill date, but the interest-free period of this credit card is about 20 to 50 days.

So, how do you know when the billing date of your credit card is?

1. The bank will send you a statement of your credit card consumption records every month. You can check your billing date and repayment date on the statement.

2. You can call Ping An Bank’s customer service hotline 95511 for inquiries.

3. You can log in to Ping An Bank’s online banking for enquiries.

4. You can use the reserved mobile phone number to edit the text message "CXZD# last 4 digits" and send it to 95511 to check the billing date and repayment date of the credit card.

5. You can follow the WeChat official account of Ping An Bank and then bind your personal credit card to check the bill date, repayment date and other information.

The above is a summary of the relevant information about Ping An’s standard credit card billing dates. They are all randomly assigned. You can also query your credit card billing date and repayment date through the above method, if you want to change it. As for your statement date, you can call the bank's customer service number to apply for a change, but it can only be changed once within half a year.

What is the billing date of Ping An Credit Card?

The billing date of Ping An Bank’s credit card is not determined based on the card type. The billing date of each cardholder may be different. It is determined by the system. Randomly assigned, each customer of Ping An Bank has a fixed billing date. On the billing day, your transactions from the last month's billing date to this month's billing date will be counted and a bill will be generated. The account needs to be paid within 18 days after the billing date. Repayment.

Extended information:

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and fees that occurred in your credit card account every month, calculate the interest, and calculate the total amount you owe and the minimum payment for the current period. amount and send you a statement. This date is your credit card statement date.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000)

That’s it for the introduction of the Ping An Credit Card statement date.