1. Credit card will be charged to the current bill on the billing date of BOC. For example, the billing date is the 1st of each month. If the card is swiped on June 1st, it will be included in the bill from June 1st to June 3th, and the corresponding repayment date is a certain day of next month, such as July 25th.

2. The billing cycle of most bank credit cards starts from the day after the previous billing date to this billing date, that is, the billing date is the last day of a billing cycle. Therefore, if you swipe your card on the day of the billing date, whether it is specifically recorded in the current bill depends on the accounting time of this transaction.

if it's posted on the same day, it's settled in the current bill, and the repayment date is due 18-2 days after the bill date (the specific time depends on the regulations of each bank), and the interest-free period is very short.

3. if the bill is posted in the future (in a few cases), then it is settled in the next month, and the interest-free period is relatively long, and the specific posting time depends on the clearing time of merchants and banks. However, a few banks define the billing date as the beginning of a billing cycle, so the billing date transaction can enjoy the longest interest-free period.

Extended information

The ways to send the bill are as follows:

1. Paper bill

At the choice of the Conservative Party, the sending time is around the third day of the billing date. It will be sent by ordinary mail to the reserved billing address.

2. E-mail bill

E-mail master's choice will be sent on the second day of billing date and will be sent to the reserved e-mail. As the most convenient, fastest and environmentally friendly billing member, we sincerely recommend her to you. Send the short message "4 digits after DZDTX # card number # e-mail address" to 9558 to modify it into an e-mail bill and update the e-mail address.

3. The bill SMS

is an unavoidable reminder, and the sending time is the 1th day of the billing date. Send it to the reserved mobile phone number. If you haven't received the bill within 1 days after the bill date, you can check the bill through online banking, mobile banking, WeChat banking, self-service voice, customer service hotline and other channels to avoid delaying repayment.

if you don't repay in full before the due repayment date and you don't choose the minimum repayment amount by credit card, you will face the following penalties:

1. All consumption funds will no longer enjoy the interest-free repayment treatment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the day when the consumption occurs, with a daily interest rate of five ten thousandths and compound interest on a monthly basis.

2. I received a call from the bank and a reminder letter.

3. Freezing the account and feeding back the arrears records to the People's Bank of China for credit files will affect personal credit.

Baidu Encyclopedia-billing date

Baidu Encyclopedia-credit card due date

Baidu Encyclopedia-Bank of China.