How to calculate the repayment date and billing date of the credit card

The billing date of the credit card refers to the date when the accumulated unpaid principal of consumer transactions, the principal of cash withdrawal transactions, expenses, etc. of the cardholder are summarized every month, the interest is calculated, and the payable amount of the cardholder is calculated.

due repayment date of credit card: refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount.

at present, the billing date of credit card is: 3, 5, 6, 7, 9, 1, 12, 15, 17, 18, 2, 22 and 25;

the corresponding final repayment dates are: 21, 23, 24, 25, 27, 28, 1, 3, 5, 6, 8, 1 and 13.

please log in to the credit card website, click "Online Banking Login" on the right, enter your ID number, inquiry password and additional code, and then click "Account Management-Account Inquiry" on the horizontal menu above to view the "Monthly Billing Date" and "Due Repayment Date of the Current Period".

How is the settlement date of credit card calculated

The settlement date of credit card is generally calculated according to the repayment date of credit card, and the 25th day is the settlement date, which is generally calculated according to this rule. Credit card billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses in your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and mail the statement for you. This date is the billing statement of your credit card. The bill settlement date of each bank is different, and the longest is the card that has just been swiped on the billing date, which will be recorded in the next month's bill and repaid next month, which is the longest repayment date. The shortest is the card that is swiped on the billing date, which will be charged to this month's bill, and will be repaid this month, which is the shortest repayment date.

different banks have different interest-free repayment periods. Generally, the repayment date is 2 to 5 days after the bill date, which means that about 2 days after the bill date of the current month is the repayment date. If the billing date is May 23, you can enjoy the longest interest-free period by swiping your card on May 24, and then decrease it in turn. After billing every month, you can pay off the arrears according to the repayment date stipulated by the bank. If you don't pay off the arrears in full, you can't enjoy the interest-free period.

Your billing date and repayment date can be adjusted through consultation with the bank. If you find the date troublesome and difficult to remember, you can adjust the date, and bind your personal bank card and credit card to start automatic repayment service, so that you will not delay repayment.

For example, the bank's settlement is from the 1st to the end of each month. For example, if you spend money on November 1st, then the bill for this month will be issued on November 31st, and then you must repay it before December 2th (repayment date). Your repayment before December 2th is interest-free. If not, there will be interest and bad records. If you spend on November 3th, the repayment date is also December 2th. And so on. As a reminder, the repayment date and billing date of each bank are different. The regulations of different banks are slightly different. The latest repayment date is generally 2 or 24 days after the bill date.

How to calculate the billing date and repayment date of CCB's credit card

After the credit card is approved, the customer will have a fixed billing date (the billing date will be indicated in the card letter attached to the card when the customer receives the card, and multiple credit cards will use one billing date). The calculation formula of the repayment date corresponding to the billing date:

1. The billing date is the 1st to 1th, and the corresponding repayment date is the 2th of the billing date, that is, the 21st to 3th of the month. Tip: if the repayment date is 29th of this month and 3th of this month, it will be fixed as 1st of the following month)

2. The billing date is 12th-28th, and the corresponding repayment date is-11th, that is, 1st-17th of the following month.

note: billing date and due repayment date shall be subject to the bill

(in case of business change, please be subject to the actual situation. )

How to calculate the billing date and repayment date of the credit card

The billing date is the date when all credit card consumption in the current period finally generates the bill, and the repayment date is the date when you have to repay the credit card in the current period. Generally, the repayment date is about 25 days behind the billing date. \ Take Bank of Communications as an example. For example, if the billing date of Bank of Communications' credit card is on the 4th of each month and the repayment date is on the 3th of each month, the longest interest-free period (about 55 days) will be obtained for credit card consumption on the 5th of each month, and the shortest interest-free period (about 25 days) will be obtained for consumption on the 4th of each month. All consumption after the 4th day must be repaid before the 3th of next month, otherwise overdraft interest will be generated, and if the minimum repayment amount, i.e. 1% of the current bill amount, is not repaid, there will be a late payment fee. Of course, full repayment will not charge any interest, that is, it is completely interest-free; However, if it is not in full, the overdraft interest of the credit card will be very high, and the interest of five ten thousandths will be charged every day. \ The credit card billing statement can be adjusted by the cardholder contacting the bank. If you are dissatisfied with the date, you can change it by phone or log in to official website.

How to calculate the credit card repayment date and billing date

1. According to the bank veteran, it is summarized as follows:

2. The billing date is the date when all credit card consumption in the current period finally generates bills, and the repayment date is the date when you have to repay the credit card in the current period. Generally, the repayment date is about 2 days behind the billing date.

3. For example, if your billing date is on the 4th of each month and the repayment date is on the 24th of each month, you will get the longest interest-free period for credit card consumption on the 5th of each month, and the shortest interest-free period for consumption on the 23rd. All consumption after the 4th day must be repaid before the 24th day of next month, otherwise overdraft interest will be generated, and if the minimum repayment amount, i.e. 1% of the current bill amount, is not repaid, there will be a late payment fee. Of course, full repayment will not charge any interest, that is, it is completely interest-free; However, if it is not in full, the overdraft interest of the credit card will be very high, and the interest of five ten thousandths will be charged every day.

4. The credit card billing statement can be adjusted by the cardholder contacting the bank. If you are dissatisfied with the date, you can change it by phone or log in to official website.

5. Tip: Credit card consumption is convenient and quick, but it is also a double-edged sword. Once overdue repayment has a very bad impact, it is recommended to repay on time every month.