As we all know, every credit card transaction has a billing date, which determines the length of the interest-free period you can enjoy with your credit card. Although the interest-free period varies from bank to bank, it may be very difficult if you have multiple credit cards. Yes, this is very troublesome. So, can I set the date of my credit card statement by myself? Which is the best date to choose for your credit card statement? Let’s find out together.

Which credit card statement date is better?

First of all, it depends on when your salary is paid. You can repay it with a credit card after your salary is paid, so it is best to choose a date after your salary is paid. ;

Secondly, if you need to have multiple credit cards, you must first list the billing date of each credit card, and then set the upper, middle, and next three months according to the modifiable dates, such as on the 15th Before and after the 15th, this can avoid the overlap of credit card billing dates, and you can also enjoy a longer interest-free period depending on the repayment date.

Can I set the credit card statement date myself?

Some banks can modify the statement date. It is reported that banks such as China Merchants Bank, Industrial Bank, China Construction Bank, China Minsheng Bank, and Ping An Bank can modify the credit card statement date, but they can only be selected within a specified date, and the number of modifications is also limited. The details are as follows:

< p> 1. China Merchants Bank: You can only choose to modify the date from the 5th, 7th, 10th, 12th, 15th, 17th, 22nd and 25th, and you need to notify by phone.

2. Industrial Bank: You can only choose a modification date from the 2nd, 4th, 8th, 11th, 13th, 18th, and 21st, which means you need to call to modify it. , and can only be modified twice a year;

3. China Construction Bank: Only a few dates can be selected, such as 2,5,7,10,12,13,15,17,19,22, 23, 24, 25, 26, 27, you can choose one of the dates, but it can only be modified once within the validity period of the card.

4. Minsheng Bank: You can only choose one of the following dates to modify: 1, 3, 6, 9, 13, 16, 21, 26, 28. You also need to call to modify. And it can only be modified once a year;

5. Ping An Bank: You can only choose a modification date from the 5th, 10th, 15th, 20th, and 25th. You also need to call Modified, and can only be modified twice a year.