1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and expenses that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum payments, and a statement will be mailed to you. This date is your credit card statement date. For example, if your Bank of China credit card statement is on the 21st, then assuming that you made a card payment after July 21st and before August 20th, the bank will summarize and settle your expenses on August 21st, and at the same time, through Send statement by mail or email. By analogy, if you make card purchases after the 21st of each month and before the 20th of the following month, the bank will summarize and settle your expenses on the 21st of the following month and send you a bill at the same time. After you receive the bill , just repay according to the dates and requirements specified above. (Note: It is best to repay 1-2 days before the stipulated date, especially through online banking transfer, because the actual arrival time of each bank is different; in addition, when the economy is not well-off, you can also apply for the minimum repayment Or repay in installments)

2. You haven’t opened the card on the 19th, and the billing day is on the 21st. You want to open the card on the 20th, and then swipe the card to pay in installments. Based on your description, I personally think that if you are not in a hurry to swipe your card, it is recommended that you open the card on the 20th and swipe the card again on the 22nd. In this way, your repayment period can be extended to more than 50 days. If you swipe the card immediately after opening the card on the 20th, you will have to repay within 20 days.

3. How to repay depends on your financial situation: repay in full before the latest repayment date, without any additional fees, and interest-free for up to 50 days; if you choose installment Payment, according to your description "12 installments, handling fee 7.2, installment payment 5,000", the handling fee should be 360 ??yuan, which should be paid in one lump sum during the first repayment, and the principal can be repaid in the next 11 installments. That is to say, you need to pay back 777 yuan in the first period, and 416.7 yuan in each period from the second to the 12th period.

I hope the above answers will be helpful to you, and I wish you all the best! Goodbye!