The billing date and repayment date of major banks are different. Generally, the repayment date of credit card is between 15 and 25 days after the billing date. For example, the repayment date of CCB is the 2th day after the bill date; The billing date of Bank of Communications is randomly generated, but the repayment date is the 25th day from the billing date.

the credit card billing date refers to the date when the issuing bank regularly collects and settles the transaction fees of the credit card account in the current period and calculates the total amount owed and the minimum repayment amount in the current period. Credit card repayment date refers to the last date when the bank requires the cardholder to return the credit card non-cash transaction bill.

according to the relevant regulations of the bank, credit card users need to pay off the arrears of the current month before the repayment date, otherwise it will be regarded as overdue. According to the regulations, as long as the user's credit card is overdue for more than 3 months, the bank has the right to sue the overdue cardholder.

It is the last step for the general bank to sue the cardholder after the collection process, because if the overdue amount is relatively large and the overdraft is malicious, it may be considered as the crime of credit card fraud and will be jailed.

if the amount is not large, within 5, yuan, it is usually brought to court as a civil dispute. At this time, although there will be no criminal responsibility, the bank that refuses to repay will apply to the court for enforcement. At that time, all the property such as real estate and car products under the cardholder's name will be auctioned by force to repay the debt, and the bank card will be frozen.