It is a fixed billing date and repayment date. If it is in advance, it is also the date I changed.
Credit card repayment date
Credit card repayment period is generally 20 or 25 days after the bill date. However, this repayment date is the last repayment date. Even if the consumption amount is not recorded, users can choose to repay in advance. Therefore, the repayment period of the credit card is more about informing the user of the final repayment time, and the user must complete the final repayment on the repayment date.
Extended information:
Credit card repayment time can be divided into the following two periods:
Normal repayment time
From the billing date of the credit card to the final repayment date, it is the normal repayment time of the credit card. The repayment made during this period is normal repayment.
It is recommended to repay the loan two to three days before the repayment date. If the repayment time is too early, the interest-free period given by the bank is used too little, which is not cost-effective;
If the repayment is too late, especially on the repayment date, it is likely to be forgotten because of busy work and other reasons.
Or the funds are not received in time, which may cause overdue repayment and form overdue records.
Prepayment time
Any repayment before the accounting date belongs to prepayment. If it is not for special reasons, it is recommended not to repay the loan in advance.
Some cardholders believe that early repayment will help banks increase their quota. In fact, this idea has no factual basis.
The interest-free period given by the bank can be used normally as long as it is repaid before the repayment date, and there is no need to repay it too early.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is in the form of a card with the name of the issuer, expiration date, serial number and cardholder's name printed on it. Magnetic stripe and signature strip on front and back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the National People's Congress Standing Committee (NPCSC) on Credit Card Regulations) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1 Business English Translation and Writing Standard was formally implemented, which stipulated that the standard English name of a CreditCard was Credit Card.
A general credit card is a special plastic card, which is 85.60mm long, 53.98mm wide and 1mm thick. The front side is printed with the name of the issuer, the expiration date, the serial number and the name of the cardholder, and the back side is provided with a chip, a magnetic stripe and a signature strip. Cardholders can use credit cards to shop, consume and deposit and withdraw cash in special units.
Why is the repayment date of CCB credit card one day ahead of schedule?
CCB's credit card has a fixed billing date every month, and 20 days after the billing date is the final repayment date. Before the final repayment date, the consumer will be repaid in full according to the bill amount and enjoy the interest-free period. If you don't repay in full and on time, consumers won't enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded.
Suppose your billing date is 27th, and the final repayment date is 16 or 17 of next month, which is because of the relationship between big and small months. This repayment period will not be one day earlier, but will be fixed at 20 days after the bill date.
Can I prepay my credit card before the current due date? What are the disadvantages if you can repay in advance?
1. First of all, for the purpose of credit card consumption, it is unnecessary for credit card to repay before the bill date.
But this should be considered according to everyone's own situation. In short, as long as the credit card is repaid on the last repayment date, there will be no credit problems, and at the same time, it can enjoy a longer interest-free period.
3. Benefits of prepayment: It is easier to increase the amount by reducing personal liabilities; Disadvantages: reduced available cash and increased certain economic pressure.
Extended data:
Repayment process
Issuing bank also
1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;
2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;
4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;
5. Query the transaction after repayment and print the receipt.
Network repayment
Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.
1. Payee account name: fill in the name of the credit card holder.
2. Payee's bank: fill in "Bank Credit Card Center".
3. Transfer to payee's account: fill in 16-digit credit card.
4. Remarks: Fill in "Credit Card Repayment".
5. Withdrawal password: fill in the one-card withdrawal password.
6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
7. Accepted currency for repayment of the "payment plan" function: RMB.
8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.
9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.
10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.