The credit card repayment period is calculated according to the billing date and consumption date of your credit card, and it is not fixed. The bank will tell you when to issue the card, and every bill will have a bill date.
The repayment period of each bank is different, generally speaking, it is 18 days to 25 days after the billing date, of which the shortest is 18 days of China Merchants Bank and the longest is 25 days of Industrial and Commercial Bank of China.
Generally speaking, the interest-free repayment period of credit cards is about 20 days to 50 days. For example, if your bill date is 12, your credit card payment date is 1 1, and the interest-free repayment period stipulated by your issuing bank is within 20 days after the bill date, then your repayment is only 20 days.
If your credit card consumption date is 13, then this consumption will enter the next bill, and your bill will not be generated until next month 12, so you have an interest-free repayment period of 50 days, that is, 30 days from the credit card consumption date to next month 12, plus 20 days after the bill is generated.
Extended data:
Credit card repayment method:
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Convenience store repayment
This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.
6. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Xinfutong Repayment
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
8. Repayment Pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
8. Other ways
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
Credit card-Baidu encyclopedia