Can the credit card repayment date be changed?

It can be changed. The credit card repayment date usually has a set number of changes. Different banks have different regulations, especially restrictions on the frequency of changes. Do not make changes blindly. To modify the repayment date, you can go to the bank counter or call the bank's customer service number to modify it. Once the modification is successful, it will generally take effect from the next period.

Each bank has its own requirements regarding the modification of credit card statement dates. For example, in terms of the number of modifications: China Construction Bank and Shanghai Pudong Development Bank can change it once a year; Bank of Communications can only change it once within the validity period of the credit card. In terms of billing day time selection, for example, the billing days that China Merchants Bank can choose are: 3, 5, 6, 7, 9, 10, 12, 15, 17, 18, 20, 22, and 25, and the corresponding final repayment date is : 21, 23, 24, 25, 27, 28, 1, 3, 5, 6, 8, 10, 13; the billing dates available for CCB credit cards are: 2, 5, 7, 10, 12, 15, 17 , 19th, 22nd, 23rd, 24th, 25th, 26th and 27th.

: How to set the most cost-effective bank card statement date

1. Set your credit card statement date before a big expense.

There are many large and small expenses, and it is difficult to predict them all. However, some large expenses need to be planned in advance, such as tuition fees, vacations, buying a house or a car, etc. You can set the billing date before these large expenses to enjoy a longer interest-free period.

2． Set your credit card statement date before your recurring purchases.

If you are sure that you will have regular consumption on a certain day of the month, you can set the billing date before this day, so that you can enjoy the longest interest-free period. For example, if Xiao Wang needs to pay the rent of 3,000 yuan by credit card on the 10th of every month, Xiao Wang can set the billing date before the 10th.

3. Set credit card statement dates before birthdays and special holidays.

There will be many discounts on birthdays or special holidays. If you set the credit card statement date before, you can not only enjoy the discounts, but also enjoy a longer interest-free period.

4. How to set the billing dates for two credit cards

For those who have two credit cards, you can set the billing dates for the two cards in the early and late days of each month. For example, the billing date for Card 1 is set to the 5th, and the billing date for Card 2 can be set to the 25th. For purchases from the 6th to the 24th of each month, swipe Card 1; for purchases from the 26th to the 4th of the second month, use Card 2. In this way, each card can enjoy a longer interest-free period.

Can the credit card repayment date be changed?

The credit card repayment date is not absolutely fixed and is determined based on the statement date. The billing date of a credit card is fixed every month, and each bank has different regulations on how many days after the billing date is the final repayment date. Therefore, if you want to change the final payment date, you can only change the credit card statement date.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

In-bank repayment

This repayment method mainly includes: card issuance Bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places.

Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.

Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Intelligent repayment

The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc.

How to change the credit card repayment date

The repayment date of a credit card is not absolutely fixed and is determined based on the statement date. The billing date of a credit card is fixed every month, and each bank has different regulations on how many days after the billing date is the final repayment date. Therefore, if you want to change the final payment date, you can only change the credit card statement date.

Set a statement date that suits you: First determine the date you want to last repay, and then determine you want to change your statement date based on the bank's shortest number of interest-free days. For example: China Merchants Bank’s shortest interest-free days is 18 days, and wages are paid on the 15th of each month. I want to change the final repayment date to around the 19th, because sometimes repayment may require a few days of buffering time. Then your bill The date must be pushed forward 18 days, then you need to change the billing date to the 1st of each month.

Change of repayment date: Call the manual service hotline of the credit card to modify it manually. However, the billing date of some credit cards cannot be changed, and it can also be checked manually.

What we can immediately notice when a credit card is overdue is the impact on your credit report and a series of consequences it will bring. But in fact, being overdue is not as scary as we think, and overdue credit reports are not as fast as we think.

Of course, this is not to encourage everyone to be overdue, but to tell everyone how to deal with overdue and how to solve overdue situations. If you do it right, you can even avoid the trouble of having to file a credit report.

1. Time tolerance

Generally, banks provide credit card repayment time and tolerance services: cardholders owe less than 3 days, and the amount owed is less than 10 Yuan should be regarded as repayment on time. The bank needs to remind you 3 days before the due date of credit card repayment. That is to say, if you call the customer service center of the card issuer in time to apply for timely service and repay the loan in full within 3 days after the repayment date, your credit will not be reported.

It should be noted that this convention is not mandatory. It only advocates that banks provide time tolerance services to credit card holders, and there is no mandatory requirement. Therefore, each bank has different standards in the implementation of time tolerance. For example, if love, the most important element in the universe, exists, there will be no grace period.

Each bank has different policies, please refer to the following:

1. Industrial Bank: The tolerance amount only imposes penalty interest on the unpaid portion, and there is no time limit.

2. Bank of China: The tolerance amount is 1% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.

3. China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days. You need to take the initiative to apply by phone.

4. Agricultural Bank of China: The tolerance amount is 100 yuan for regular cards, 200 yuan for gold and platinum cards, and the tolerance period is 2 natural days.

5. Bank of Communications: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

6. China Merchants Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

7. China Guangfa Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

8. Industrial Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 calendar days.

9. CITIC Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. You need to actively call customer service to apply.

10. Minsheng Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 calendar days.

11. Everbright Bank: The tolerance amount is up to 100 RMB or 20 US dollars, and the tolerance period is 3 natural days. You need to call to apply.

12. Shanghai Pudong Development Bank: The tolerance amount is 10 yuan or 2 US dollars, and the tolerance period is before 22:00 three natural days after the repayment date.

13. Ping An Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

14. Hua Xia Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

15. HSBC: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days.

2. Time for credit reporting

When a credit card is overdue, each bank has a different time to report to the central bank for credit reporting. The specific regulations are as follows:

1. Overdue repayment Immediate credit investigation on the day of payment

Industrial and Commercial Bank of China.

2. Apply for credit only after the grace period

Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, CITIC Bank, China Minsheng Bank, China Everbright Bank.

3. The credit report will be submitted on the next billing day

Bank of China, Shanghai Pudong Development Bank, China Guangfa Bank, Hua Xia Bank, and Ping An Bank.

3. Remedial measures

Since the credit reporting time of each bank is different, if you accidentally overdue the credit report, you can remedy it as soon as possible.

1. Repay in full immediately

In order to ensure the arrival time, it is best to use a debit card from the same bank, and try not to make repayments across banks or third parties such as Alipay.

2. Contact customer service to communicate

Explain that the default is not subjective and malicious, but has not been repaid due to XX objective reasons, and has just been repaid.

4. Common reasons

1. Bank problems

Inter-bank system settlement problems, bank transfer transaction system problems, the bank did not send bills or text messages, network, Problems with telecom operators resulted in bills not being received, automatic repayments not being deducted when signing up, etc.

Even though I didn't see the bank statement text message, I still said it was because of the operator's network problem that I didn't receive the text message. You know.

2. Force majeure

For example, being temporarily dispatched by the company on a business trip or traveling overseas, for example, the local telecommunications cable may be cut, or a typhoon may damage the network equipment.

3. Move people with emotion

For example, if you accidentally fall, lose your cell phone, get bitten by a dog, etc. All in all, the central idea is that understanding is based on emotion and reason. There are objective reasons for overdue payment, not my subjective default. Pay attention to your attitude and you must have a good attitude.

4. Lure it for profit

Discuss with customer service. If they do not give you a credit report or withdraw the overdue payment, then they are willing to pay protection fees in installments, etc.

Even if you have to pay penalty interest, compared to penalty interest, bad credit record is more worthy of our attention.

5. Apply for objection

If none of the above methods can save you, and you have other legitimate reasons or evidence, you can apply for objection to the Credit Reference Center, and the central bank will determine whether you are genuine. If it is overdue, should it be recorded?

6. Coverage

If the credit report is overdue and the objection application fails, it will take 5 years to eliminate it.

During this period, remember not to cancel the card. If you cancel the card, the bad record will remain for a long time.

After paying off the debt, you should keep using the card for 2 years, maintain good card usage habits, and use new records to offset the original bad records (generally, when applying for loans, credit cards, etc., only the records of the past two years will be looked at).

7. Beware of being deceived

You often see advertisements for "credit laundering", so don't waste your money.

8. Take precautions before they happen

At any time, it is easier to take precautions than to deal with things after they happen, so the best way is not to overdue it.

How to change the credit card repayment date

The credit card repayment date can be changed. The customer can directly call the hotline of the card-issuing bank and apply to the customer service staff. After the modification is successful, , generally effective from the next issue.

However, everyone needs to note that although most banks support the service of changing the credit card repayment date, customers cannot make changes at will. Many of them limit the number of modifications (some stipulate that they can only be changed once a year. Some allow it to be changed once every six months, while others stipulate that it can only be changed once within the validity period. It is recommended that you consult the customer service of the card-issuing bank for details).

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Financial Management Strategy

1. Control the number of credit cards and only have enough.

Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

2. Keep the credit card receipts

Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. Moreover, many people do not set passwords on their credit cards, and carelessly discarding the credit card credentials may lead to credit card theft.

Can the repayment date of a credit card be adjusted?

Currently, many bank credit card centers can provide services to change the credit card statement date (or repayment date) for free. You can go to the bank counter to handle it, or you can call the customer service number without leaving home. Or send a text message to the bank to handle it. After the modification is successful, it will generally take effect from the next issue.

Credit cards are generally divided into two types - credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder consumes money within the credit limit and then repays it; however, a quasi-credit card is different. The cardholder needs to provide a certain amount of reserve fund. When the reserve account balance is insufficient, payment can be made at A quasi-credit card with an overdraft within a specified credit limit. The so-called credit card generally refers to a credit card only.

Having a credit card means that when you make a purchase, you don’t have to pay cash on the spot, and you can wait until the bill day arrives before repaying it.

What is the difference between a credit card and a bank card? Bank cards can be divided into debit cards (savings cards) and credit cards (credit cards).

A debit card is a bank card issued to the public by the card-issuing bank for depositing money first and then spending (or withdrawing cash) without overdraft function. According to different functions, it can be divided into transfer cards (including savings cards), special cards and stored-value cards. It is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption, etc. It also has the additional functions of transferring money and buying funds. , stock trading and many other financial management functions, and also provides a large number of value-added services.

The difference is that overdrafts can be made with credit cards, but not with debit cards; but on the other hand, credit cards generally charge annual fees, while debit cards do not; improper use of credit cards will cause The impact on our credit file will have an impact on us buying a house or a car in the future. Since debit cards do not involve overdrafts, they will not have an impact on our credit. Finally, credit card issuers and merchants often join forces to hold various Activities, such as restaurant coupons, gas coupons, etc., which debit cards simply don’t have!

What are credit cards used for? Credit cards are usually issued by commercial banks to individuals and organizations. When you make purchases, you can use your credit card as a payment tool and make direct purchases through the card-swiping POS machine or online payment platform installed by the merchant.

A credit card means you can spend money in advance, that is to say, when your shopping needs exceed your ability to pay, you can borrow money from the bank. A credit card means that the bank agrees to lend you money based on your integrity. With the voucher, your credit card will prompt you how much you can borrow from the bank and when you will pay it back. After overdraft consumption, you must repay. Repayment includes signing an automatic repayment agreement, online banking repayment, mobile banking repayment, ATM machine repayment, etc. If you repay the entire amount payable before the repayment due date (inclusive), you do not need to pay interest. If you cannot repay the minimum repayment amount before the repayment due date (inclusive), overdraft interest will be charged based on the interest calculation method of 0.5%. , pay a late fee based on 5% of the unpaid portion of the minimum repayment amount.

Can the credit card repayment date be changed?

The credit card repayment date can be changed, and it is free of charge.

There are three specific methods:

1. Call the service hotline of the credit card bank, select manual service, and follow the voice prompts to change the repayment date, which will take effect at the time of processing.

2. Call or send a text message to the salesperson of the card-issuing bank and explain your request to change the repayment date, and the corresponding salesperson can handle it.

3. Bring your credit card and ID card to the bank counter to handle it yourself.

It should be noted that although most banks support the service of changing the credit card repayment date, customers cannot make changes at will. Many of them limit the number of modifications (some stipulate that they can only be changed once a year, and some Some allow it to be changed once every six months, while others stipulate that it can only be changed once within the validity period. It is recommended that you consult the customer service of the card-issuing bank for details).

Extended information:

1. What are the ways to apply for a credit card?

1. Apply for a credit card at the bank counter:

(1) Bring the following documents to the bank counter to apply.

You must bring your ID card. Of course, you can bring other documents such as social security card, income certificate, real estate certificate, etc. if you can. The staff will immediately ask you to fill in the application form for a credit card. After filling it in carefully, the staff will ask you to take out the relevant documents and make copies as a basis for the review and issuance of the credit card.

(2) Apply for a credit card on the bank's official website:

Currently, many banks have opened online credit card applications. Log in to the bank's official website, find the credit card homepage, and you will see how to apply for a credit card. Then fill in your true personal information as required and submit it to the bank for approval.

If the application is successful, you will receive a call and ask to bring the relevant documents to the business outlet to check the personal information. If the verification is correct, you can use it.

2. Which bank is the best for credit cards?

Currently, credit cards are becoming more and more mature. Many banks’ credit cards are similar, but each has its own focus. When applying for a credit card, it is very important to base your application on your actual personal needs; sometimes you also have to consider the credit card limit, consumption discounts, and the number of official activities held by the bank's credit card, etc.

3. Credit card cancellation process:

1. Pay off all bill arrears, making sure there is no balance overflow. Before canceling the card, confirm whether you have paid off all the arrears on the current card.

2. Submit a cancellation application to the card issuing bank. Currently, all banks only accept customer service hotline calls to cancel cards, and follow the voice prompts to complete the relevant operations;

3. Wait for the inspection period. Confirm card cancellation. Usually the bank inspection period is 45 days. After applying for card cancellation, the credit card will not be canceled successfully immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. After that, After this period, you can confirm whether the cancellation application has been successful.

4. Cut off the credit card that has been successfully canceled. In order to prevent the credit card and personal information from being stolen, remember to cut the abandoned credit card along the magnetic strip after the card is successfully canceled.

If the credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for loss report first and then proceed with the card cancellation process.

That’s it for the introduction of whether the repayment date of a credit card can be changed.