How to modify the statement date of Bank of China credit card

You can call the Bank of China credit card customer service hotline to modify the statement date through manual service (official cards, corporate cards, etc. cannot modify the statement date), every It can only be modified once in a natural year. Once successful, the billing dates of all personal cards under your name will be modified at the same time.

The above content is for your reference, please refer to actual business regulations.

Tips for modifying credit card bill date

The bill date of a credit card is the day when the bank settles accounts with you. At the same time, depending on the interest-free period, the repayment date can also be derived from the bill date. . So, what are the tips for revising the credit card statement date of each bank? Below I have collected and compiled the tips for revising the credit card statement date of each bank. Welcome to read!

The tips for revising the credit card statement date of each bank

The planning of the bank statement date is still very important. Now let’s talk about the time when the statement date of each bank can be adjusted.

China Merchants Bank Credit Card: You can choose the date at will. You can adjust the repayment date to the beginning of the month, the middle of the month, or the end of the month. The frequency is adjusted once every six months;

ICBC Credit Card: One from ICBC The card can only be adjusted once in its lifetime, and the repayment date in Guangzhou can only be adjusted between the 1st and the 5th;

Everbright Credit Card: Everbright Bank must repay the balance in full if it wants to adjust the statement date and repayment date. It can only be done after all the arrears are registered in your name, and it can only be modified once a year;

CITIC Credit Card: The billing date of CITIC Bank can only be selected between the 1st and 16th, and the repayment date will be postponed to a later date. 19 days, and can only be modified once in half a year;

Ping An Credit Card: The billing date can generally be a multiple of 5, and the repayment date is pushed back 18 days, and can be modified once in 6 months;

Guangzhou Rural Commercial Bank Credit Card: The statement date adjustment project has not been opened yet, and even the gods cannot modify it;

Hua Xia Bank Credit Card: The statement date can only be from 3, 8, 11, 15, 18, 21, Choose between 25 and 28, and the repayment date will be pushed back 20 days. If there are installments, it cannot be changed;

Bank of China Credit Card: The bill date can be from 7, 8, 9, 10, 12, 14, Choose from 15, 17, 19, 21, 23, 24, 25, 26, and 27, and the repayment date will be pushed back 20 days;

Guangfa Bank Credit Card: The system stipulates that the bill date can only be from the 6th, The 12 days selected from the 7th, 8th, 12th, 13th, 14th, 23rd, 24th, 25th, 26th, 27th and 28th can only be modified once a year.

Now that the rules for major banks to modify repayment dates are clear, card friends should act quickly. However, I would like to remind everyone that the best billing dates for different credit cards should not be set on the same day to avoid excessive repayment pressure. The best way is to set the average daily bills of several cards at different times of the month, such as one in the first ten days, one in the middle, and one in the last ten days, which is more conducive to fund management.

ps: Changing the billing date can delay the repayment date up to 100 days!

Tips on using credit cards

High frequency of card swiping

In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank's interest-free period to add a little extra financial income to yourself. On the other hand, you also become an active user of the bank. Usually banks are active in this bank. Users will receive quota rewards.

High consumption amount

Continuous and stable consumption for a long time

Banks generally treat cardholders who are more than one year old and have transactions every bill month. 'Credit card, bank's limit increase strategy usually takes the initiative to increase the limit for this group of customers. If the customer takes the initiative to apply for a permanent limit increase, the bank will have a higher chance of approval.

Many cash withdrawals

For cardholders who frequently withdraw cash from their credit cards, the risk factor is very high for the bank, but at the same time, cardholders who withdraw cash also contribute to the bank. The highest; the risk for installment users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.

Threat of card cancellation

In the era of credit card turmoil, if customer service staff receive a card cancellation application, they will often beg in every possible way, ask for the reasons, and then provide incentives such as limit increases and gifts. However, for some state-owned banks or joint-stock banks with large card issuance scales, this method of applying for a credit limit increase through the threat of card cancellation has gradually become outdated, and the success rate is very low.

Finally, we would like to remind cardholders that a high-limit credit card does not mean everything. As long as it can meet personal consumption needs and use the card normally, cardholders should develop a good Card usage habits: use cards according to your personal spending capacity, and do not spend without restraint.

Credit card repayment tips

You must know before credit card repayment:

1. Change the credit card repayment time to three days after the salary day

Under normal circumstances, the credit card repayment date is random, but this date can be modified manually.

Call the customer service number on the back of your credit card (do not call a phishing call) and transfer it to manual service. Just tell the customer service to set your credit card repayment date on a certain day, and the customer service will help you handle it.

Why should I choose to set the credit card repayment date as three days after the salary is paid? My reason is very simple. I will pay off the credit card as soon as the salary arrives. Even if there is a problem with the credit card payment on the same day, there will be other problems later. It can be solved in 2 days.

2. Distinguish between the credit card repayment date and the billing date

The credit card billing day is the day when the total amount of your card payments in a month is counted. The money on the bill is about 20 The money must be repaid on the Queen’s repayment date.

The credit card repayment date is the day when you must pay off the outstanding balance on last month’s credit card bill.

3. How to check the current credit card statement

There are many ways to check the credit card statement. One is to bind the credit card’s official WeChat account on WeChat to check. This method is the most commonly used by me. , simple and convenient; the second method is to call the official phone number of the bank and credit card. Some bank phone numbers require you to wait for more than a minute before you enter your ID number before you can check, which is a bit more troublesome.

Credit card repayment tips:

Tip 1. Bind a bank deposit card once and for all

The least worrying way to repay a credit card is to bind a bank card to a bank card Your bank savings card will automatically deduct fees. If it is bound to a salary card, it will be more convenient. Once the salary arrives, the money will be automatically deducted, which is safe and risk-free.

Of course, the premise is that your credit card repayment amount is smaller than your salary, otherwise, haha, there is no guarantee that you will be a fairy.

But the problems with automatic repayment are also obvious:

1) You must have a savings card from the same person.

2) There must be money in the card, and it cannot be a fixed deposit, only a current deposit (the question is, who has money now and doesn’t throw away Yu’e Bao?).

Tip 2. Alipay wallet repayment is the simplest and most versatile

Although binding a debit card and credit card repayment can be done once and for all, it is only suitable for a small number of people.

Now let’s talk about the simplest and most versatile technique for credit card repayment - Alipay wallet.

The Alipay credit card repayment function is completely free. It basically supports all credit cards in China (I don’t know if there are any that are not supported), and the payment speed is very fast. Many credit cards can receive the payment within 2 hours on the same day. , the latest will be tomorrow and the next day.

The reason why Alipay’s credit card repayment function is universal is because, in addition to helping you repay your own credit card, Alipay can also help repay other people’s credit cards, which is convenient enough.

Advantages of Alipay credit card repayment:

1. Support multiple credit cards;

2. Support your own and other people’s credit cards;

3. Support the transfer of funds from Yu’E Bao for repayment.

Disadvantages of Alipay credit card repayment:

It cannot be received immediately, and some banks may not arrive until the next day.

Tip 3. WeChat can also make credit card repayments

Since WeChat added the mobile payment function of "wallet", WeChat is no longer a mobile chat APP, but a very Convenient mobile payment tool.

Among them, WeChat’s credit card repayment function is very useful. For users who do not have Alipay, WeChat’s credit card repayment function is timely (otherwise, other more troublesome methods will be used to repay).

Advantages of WeChat credit card repayment

1. Supports credit cards from multiple banks;

2. Supports your own and other people’s credit cards.

Disadvantages of WeChat credit card repayment

The disadvantages of WeChat credit card repayment are the same as the disadvantages of Alipay credit card repayment. The payment is not instant?

Tip 4 , Lakala repayment is a backup method

If there are Lakala machines in your company or nearby, you can use these machines to help you repay your credit card.

Is there any handling fee for Lakala credit card repayment?

Bank of China (excluding Shenzhen and the rest of the country), China Construction Bank, Bank of Communications, Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of Beijing, and Agricultural Bank of China temporarily implement a preferential promotional price of 2 yuan per transaction for credit card repayment fees. There is no handling fee for other banks.

Can I repay the credit card without any bank card?

If you forget to bring your savings card and bank card, you may not be unable to repay, because Lakala cardless repayment supports multiple banks.

Such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Beijing, Bank of Communications, Shanghai Pudong Development Bank, Guangfa Bank, Huaxia Bank, Minsheng Bank, and Guangzhou Bank.

When will the Lakala credit card repayment arrive?

China Merchants Bank and other banks can receive the money in real time, but China Construction Bank, haha, just wait 3 days.

Advantages of Lakala credit card repayment

1. Almost all domestic credit cards are supported;

2. Payment can be made by swiping the card, which is convenient and suitable for those who do not have online banking or fast The person who pays;

3. Some banks have fast arrival times.

Disadvantages of Lakala credit card repayment

There are too few repayment machines in Lakala!

Tip 5. Try mobile banking repayment on WeChat?

The above four methods are probably the most mainstream credit card repayment methods. Finally, let’s talk about some unconventional credit card repayment methods, such as mobile banking on WeChat.

At present, all major banks have opened WeChat official accounts. If they are bound, you can use the quick repayment function of the credit card WeChat official account to repay. However, this quick repayment operation is not at all Not fast.

Advantages of repayment through the official credit card WeChat account

Your own bank repays your own credit card, and the repayment speed is generally real-time.

Disadvantages of repayment using the official credit card WeChat account

1. You must have opened mobile banking;

2. You can only repay to your own bank;

3. The credit card must be bound to WeChat.

Can the credit card bill date be changed?

Take China Merchants Bank credit card as an example. The bill date can be modified as follows:

1. The optional bill dates of China Merchants Bank are as follows: They are: 03, 05, 06, 07, 09, 10, 12, 15, 17, 18, 20, 22, 25. The corresponding final repayment dates are: 21, 23, 24, 25, 27, 28, 01, 03, 05, 06, 08, 10, 13;

2. If you need to modify the credit card statement date, you can call China Merchants Bank’s credit card service hotline 8008205555 (free, limited to landline calls) or 4008205555 (local calls charged) - 1-4-9 transfer manual service will handle it for you.

Warm reminder:

1. After the billing date is successfully modified, it will take effect from the next issue and cannot be modified again within half a year;

2. If in the personal account Use one bill and statement date for multiple cards;

3. Business credit card holders cannot modify the billing cycle.

The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and fees that occurred in your credit card account every month, calculate the interest, and calculate the total amount you owe and the minimum payment for the current period. amount and send you a statement. This date is your credit card statement date.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

How to adjust the credit card statement date

The statement date of some banks' credit cards can be modified, but the statement date of some banks cannot be modified. For example, the Agricultural Bank of China sets the billing date on the 10th of each month, which cannot be changed. The billing dates currently provided by China Merchants Bank credit cards are 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd and 25th of each month, which are changed every six months. The monthly statement date of Bank of Communications is generated by the system and can be changed once during the validity period of the card. The date is from the 6th to the 24th. Modifications can be made within eight days before or eight days after the original CITIC Bank statement date, and cannot exceed 20 days.

1. ICBC: Modification restrictions depend on the region. Most cards can modify the billing date, but some business cards can only choose the 1st and 12th.

2. Bank of Communications: The card can be changed once during the validity period or in its lifetime. Some people have actually tested that the second change was successful after one year. You can call customer service to change the billing date. Once modified, it cannot be changed back to the original date or any other date.

3. Guangfa: Once a year, the billing date is usually the birthday. If the birthday is 29/30/31, the system will randomly configure it to be 4-28. You need to call GF Platinum customer service to make changes, so you must have a Platinum card.

4. Xingye: Twice a year, different card types have different billing dates. The new car enthusiast card can choose from 1 to 27 days, and the China Eastern Airlines co-branded card can choose from 3, 7, 9, 13th, 15th, 16th, 18th, 21st, 23rd.

5. CITIC: Once every six months, it can only be modified 8 days before and after the current billing date and between the 1st and the 20th. For example, if the billing date is the 18th, it can only be modified to between the 10th and the 20th. time, you need to call customer service to modify the billing date.

6. Everbright: Once every two months, the billing date can be modified in the "Sunshine Hui Life" APP.

7. Pudong Development Bank: Once a year, the situation that cannot be modified includes insufficient comprehensive score, outstanding installments, universal funds, etc. You can request to submit it to senior customer service for modification, and it will usually be successful.

8. People’s Livelihood: Once a year, the billing date can be modified in online banking or by calling customer service.

9. HSBC: Both online banking and "HSBC Credit Card Mobile Banking" APP can modify the billing date.

10. Ping An: Once every six months, the credit card APP can change the billing date.

11. Bank of China, China Construction Bank, Postal Savings Bank, Hua Xia, Beijing and China Merchants Bank need to call customer service to modify.

12. Agricultural Bank of China: Each card has a different billing date, and there is no way to modify the billing date.

That’s it for the introduction on how to change the credit card statement date.