1. Credit card repayment date generally refers to the last repayment date. To calculate the final repayment date, you need to know your billing date and interest-free period. Different banks have slightly different regulations on credit card repayment date and interest-free date.
2. The repayment date is generally 18 days to 25 days after the bill date, and the time between them becomes an interest-free repayment period, which means that if the credit card bill is repaid within this period, no interest will be paid.
In addition, the billing date and repayment date of most banks can be modified. If your repayment date is not suitable for you, you can apply to the bank for modification.
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Legal consequences of overdue credit cards:
If the deadline is exceeded, there will not only be a late payment fee of 5% for the minimum unpaid part, but also a penalty interest for the full amount of the bill (the daily interest will be 0.5 ‰, and the interest will be collected from the day of consumption until the principal and interest are paid off), which will also lead to a bad credit record in the Credit Information Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within five years.
If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze the cardholder's card and list the cardholder as a prohibited customer (blacklist). At the same time, the cardholder will also be prosecuted for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay after being sued, and the amount owed exceeds 1 000, the court will punish him for the crime of credit card fraud according to Article 1 96 of the Criminal Law.
How to return the credit card:
1, ATM deposit: go to the deposit machine and deposit the money into the credit card. The extra money can also be used for consumption.
2. Counter repayment: repayment can also be made at the bank counter.
3. Transfer repayment: transfer the money to the credit card by transfer. Note that there is a handling fee for inter-bank and inter-city transfers.
4. Binding Bank Card for Automatic Repayment: You can bind a savings card, so that it will automatically help you repay every repayment day. Of course, it must be in the same bank as the credit card, and you must also ensure that the savings card has enough money on the repayment day, otherwise interest will be calculated if the repayment fails.
5. Repayment by Alipay and Tenpay: Credit cards can be repaid by payment order or Tenpay, and there is no handling fee at present.
Alipay Apple 12, ios 14, Alipay version 10.2.3.