Can I pay the credit card in the same month if I charge it in the same month?

The repayment date of the credit card is not specified according to the month, but according to the bill date. If your billing date is set within a month, the card you swiped during that month will be refunded that month. If you set your bill date to be greater than one month, you can use it this month and repay it the next month. If you still cannot repay the loan on the repayment date, you can also choose to repay the minimum payment amount or even apply for installment repayment.

The repayment period of a credit card is calculated based on the billing date of the credit card and the consumption date of the credit card, and is not fixed.

The bank will inform the account statement date when the card is issued, and each bill will also have an account statement date. Repayment terms vary from bank to bank. Generally speaking, it is 18-25 days after the statement date, of which the shortest is 18 days for China Merchants Bank and the longest is 25 days for Industrial and Commercial Bank of China.

The period from the date of using the credit card to the statement date plus the repayment period is the interest-free repayment date. According to this calculation scheme, you can enjoy the longest interest-free repayment period for consumption on the day after the bill date, and the shortest interest-free repayment period for consumption on the day before the bill date. Generally speaking, the interest-free repayment period of a credit card is about 20 to 50 days.

Generally speaking, credit cards are swiped in the current month and returned next month, but this is not certain. A distinction should be made based on billing date.

Credit cards have reconciliation dates and repayment dates. The repayment date is generally 18-20 days after the reconciliation date. If the current month's consumption is before the reconciliation date, you need to repay on the repayment date after the bill date. If you consume after the reconciliation date of the current month, you need to repay on the repayment date after the next reconciliation date.

For example, if your bill date is the 10th of each month and the repayment date is the 28th of each month, if you consume before December 10, the bill will be on the reconciliation day of December 10 Issued, so you need to repay before the repayment date on December 28; if you consume after December 10, you can repay the sunrise of the next month (i.e. January 10) before the repayment date on January 28 Bill reconciliation and repayment.

To sum up, if the first credit card is paid at the beginning of the month, it should be repaid in the current month. Therefore, in order to maximize the interest-free period, it is recommended to pay your first credit card on the day after the bill date, so that you can enjoy at least 48 days of interest-free period.

However, I would like to remind you that it is best to repay a few days in advance and not wait until the repayment date to avoid overdue repayment due to delayed arrival. Of course, every bank is different. You can call customer service for details.

When will the credit card consumption in the current month be repaid

Credit cards have billing dates and repayment dates. If you use a credit card to make purchases this month and the consumption occurs before the current billing date, you will be charged. Repay on the due date of the current period. Card consumption that occurs after the bill date will be included in the next bill and will be repaid on the next due date.

Credit card bill details within 12 months can be queried/downloaded/printed through the public version and professional version. Mobile banking and mobile life only support querying for the time being. The bill does not show the name of the counterparty.

The counter and VTM cannot print credit card statements.

If you have multiple credit cards under your name, the transaction records will show the last four digits of the transaction.

You can also call the credit card customer service hotline to enter manual service to inquire about your credit card bill.

The specific inquiry method is as follows:

Pocket Life: After you log in to Palm Life, click My in the lower right corner → Check Accounts and Repayments, and in the personal consumption card account column, click Check Bills. Choose to view: current bills, unissued bills, and historical bills. If you have any questions about the transaction, you can contact the credit card customer service phone number to have a person verify it for you.

Mobile banking: You log in to mobile banking, go to the homepage → Credit card → Bills to check the bills of the last 12 months, click on the month to see the details. If you have questions about the bill amount or a certain transaction, you can contact the credit card hotline for manual consultation. Mobile banking cannot download and print bills. It is recommended that you use the public version or professional version.

Online banking (Public Edition or Professional Edition): After you log in to Online Banking (Public Edition or Professional Edition), click "Credit Card → Account Management → Unissued Bill Inquiry/Issued Bill Inquiry".

The bill has been issued: click "Bill Details → Click to Download Financial Details", the printing format is PDF, with a special business acceptance seal.

Invoices not issued: Click "Download" or "Print" on the right side of the page. The printing format is Excel, with a special stamp for electronic receipts.

Warm reminder: Credit cards do not have a receipt printing function, and English bills are not provided; the printing format cannot be changed temporarily.

In April 2016, the People's Bank of China issued the "Notice of the People's Bank of China on Matters Concerning the Credit Card Business", which came into effect on January 1, 2017.

The "Notice" requires the implementation of upper and lower limit management on credit card overdraft interest rates. The upper limit of overdraft interest rates is 5/10,000 daily interest rates, and the lower limit of overdraft interest rates is 0.7 times the daily interest rate of 5/10,000ths.

Mainly based on the following considerations: First, the implementation of step-by-step and gradual reforms will help card issuers further accumulate pricing data and experience during the transition period, and guide them to improve the credit card interest rate pricing mechanism.

Second, the credit card risk control and pricing capabilities of each card issuer are uneven. The upper and lower interest rate guidance will help prevent individual card issuers from blindly cutting prices and engaging in price wars, resulting in unfair competition and high-risk customers. Excessive borrowing will increase credit risks and cause partial chaos in the market.

Third, while the information disclosure mechanism needs to be strengthened, setting an upper limit on overdraft interest rates will help prevent individual card issuers from unreasonably charging excessive interest and protect the legitimate rights and interests of cardholders.

When I swiped my transportation credit card at the beginning of the month, when do I have to pay it back?

Just pay it back before the repayment date.

The repayment due date for Bank of Communications credit cards is 25 days after the statement date. For example, the bill date is the 10th of each month, and the payment due date is the 5th of the next month.

The interest-free repayment period starts from the statement date to the due repayment date. The longest interest-free period for Bank of Communications credit cards is 56 days and the shortest is 25 days. The length of the interest-free period varies depending on the date on which the card is swiped. The longest interest-free period can be enjoyed by spending the day after the bill date.

For example, if your bill date is the 10th of each month, then the 25th day after the bill date is the due date for repayment. If you consume on May 10, the bill will be issued on that day and the repayment will be due on the 10th day of the month. The date is May 25th, and the interest-free period is only 25 days (May 10th to May 25th); if you consume on July 11th, the bill will be issued on August 10th, and your last repayment date is 9th The interest-free period is 56 days (July 11-September 5).

If I swipe my CCB credit card this month, should I repay it next month or this month?

For the CCB credit card, if I swipe the card this month, it will be the repayment date next month or the same month.

To be specific, the consumption date, billing date, and repayment date must be combined.

1. Credit card purchases generally made on the bill date will be included in the current bill and should be repaid before the subsequent repayment date;

2. Consumption on the day after the bill date Yes, it will be included in the next bill, and it should be repaid before the repayment date after the next bill date;

For example: the CCB credit card statement date is the 20th of each month, and the repayment date is the 10th of each month, then If the purchase is made on July 20, it belongs to the bill of July 20, and must be repaid before August 10;

If the purchase is made on July 21, it falls on August 20 This bill must be paid before September 10th.

On November 16th, what is the date of next month when the CCB credit card is swiped?

Twenty days after the bill date is the due date for repayment.

After your credit card is issued, the bank will designate a day as your statement date, and record the date of your statement in your credit card letter. If you are not sure when the billing date is, it is recommended that you follow the official account of CCB "China Construction Bank" on WeChat and then connect the credit card. After the connection is successful, you can check the billing date and bill information.

Assuming that the billing date is the 25th, the card will be swiped on November 16th, the bill will be settled on November 25th, and the due date for repayment will be December 15th.

When withdrawing cash from a credit card, should you repay it this month or next month?

The repayment is on the repayment date of next month, but there is a fee for withdrawing cash, so pay it back as soon as possible.

If there is no outstanding balance on the Bank of Communications credit card, and the card is swiped on the repayment date or three days before the repayment date, should the payment be made in the current month or next month?

It is due next month. After the bill comes out, you need to pay it back on the repayment date. According to you, there is no outstanding debt at present. You can spend as you like. You will be prompted after the bill comes out. Just pay it back before the repayment date, don’t worry

My CCB credit card statement date is the 5th, and I swiped 5,000 on the 7th. Should I pay it back this month or next month?

Consumption on November 7th will be recorded in the bill on December 5th, and the payment must be made before December 25th.

I hope I can help you. If you don’t understand, you can ask.

If the problem is solved, please click "Select as satisfactory answer" below the answer for support. Thank you.

The Everbright Credit Card repayment period is on the 22nd. Should I repay my purchases on the 13th that month or next month?

All purchases will be repaid after the bill comes out. Your repayment day is on the 22nd, and the billing date should be at the beginning of the month, so if you consume on the 13th, the bill will be issued at the beginning of next month, and you must repay before the 22nd of next month

If you repay an extra 200 yuan with a CCB credit card, the amount will be less next month Will it be repaid?

Yes

The extra 200 will form an overflow deposit

The available limit will be increased

It will be directly offset against the next bill

That is, the next period’s consumption amount can be repaid by 200 less

The credit card statement date is the 6th, and the credit card swipe on the 7th is considered the repayment date this month, or the next month

The statement date is not the repayment date. The repayment date is generally after the statement date. Different banks have different regulations, usually 10-20 days. Therefore, swiping the card one day after the bill date will still be counted as the repayment date of this month.

For non-cash transactions with credit cards, the period from the bank accounting 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. If the bill date is the 1st and the final payment date is the 20th, the minimum is 20 days and the maximum is 50 days.

During this period, as long as the current balance on the current statement is repaid in full, you will not have to pay any interest on the funds advanced by the bank to the store for non-cash transactions (cash advances are not eligible) Interest-free offer).

If you pay the CCB credit card installment twice this month, do you still have to pay it next month?

Unless you pay off this month's bill and the next month's bill in full, and there is no Then generate transaction records (including online consumption and cash withdrawals), otherwise, you will have to repay the money the next month.

In addition, I need to remind you that CCB's credit time is very slow. It takes several working days for the credit to be credited, which is far lower than other banks' credit efficiency of 2-3 working days. , so in order to ensure that the next month’s bill can be paid off in full, a few hundred dollars more must be paid. Otherwise, even if there is no subsequent consumption, you may not be able to pay it back in full. Because it also involves the issue of annual fee collection, if the annual fee exemption conditions are not met and the annual fee collection date appears in the bill installment month, it will not be counted as paying off the balance in full.

When should you repay the credit card for the first time?

Generally, when using a credit card, the payment will be repaid the next month, but this is not necessarily the case. It should also be based on the billing date. to make a specific distinction.

Credit cards have a reconciliation date and a repayment date. The repayment date is generally 18-20 days after the reconciliation date. If the consumption of the month is before the reconciliation date, it needs to be on the repayment date after the statement date. For repayment, if the consumption is after the reconciliation date of this month, the repayment will be done on the repayment date after the next reconciliation date.

For example, if your bill date is the 10th of each month and the repayment date is the 28th of each month, if you consume before December 10th, the reconciliation date will be December 10th. If a bill is issued, it needs to be paid before the repayment date of December 28th; if the consumption is after December 10th, the bill will be reconciled on January 10th of the next month, and the payment will be made on January 28th. Just pay it back before the due date.

To sum up, if the first credit card payment happens to be made at the beginning of the month, it will be repaid in that month. Therefore, in order to maximize the interest-free period, it is recommended to make the payment on the second day of the statement date. If you make your first purchase, you can enjoy at least a 48-day interest-free period.

The introduction about when to repay a credit card at the beginning of the month and why it is repaid this month ends here. Did you find the information you need?