Billing: It means that the issuing bank regularly collects and settles all transactions and expenses of the credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and makes a statement by mail.
Unbilled bill: it's the bill of the next period, but it hasn't been typed yet because it hasn't reached the settlement date yet.
Suppose your bill date is the 2nd of each month, then your repayment date is the 22nd of each month.
Means of billing: Take this month as an example, the bills consumed from September 2 to June 2 of/kloc-0 should be returned on 10/October 22; However, the consumption bill after 65438+10.2 will not be issued until165438+10.2. The natural bill has not been paid yet, and it will not be returned until165438+1October 22nd.
Therefore, it is generally the most cost-effective to spend one day after the monthly bill, because it takes 50 days to pay back the money.
When is the repayment date and billing date of China Merchants Bank's credit card? How to inquire?
China Merchants Bank has always had many customers. Many people have applied for China Merchants Bank's credit card, which is often used for consumption. However, when repaying by credit card, some people may not know the repayment date of China Merchants Bank's credit card. Then, when is the repayment date and billing date of China Merchants Bank Credit Card? How to inquire?
When is the repayment date and billing date of China Merchants Bank's credit card?
The billing date of China Merchants Bank's credit card is the 5th of each month, 10, 15, 17, 20th and 25th. Maybe everyone's credit card bill date is different, because it is randomly assigned by the system.
The repayment date of CMB credit card is 18 after the bill date. For example, if your billing date is15th of each month, the repayment date is the 3rd of next month.
How to check the repayment date and bill statement of China Merchants Bank credit card?
First, the statement query
The bank will issue a statement every month. You can check the billing date and repayment date of your credit card on the statement.
Second, customer service telephone inquiry
You can call China Merchants Bank customer service hotline at 400-820-5555 or 9555. After dialing, you can choose to query according to the automatic voice system, or you can choose manual service to query the customer service staff.
Third, online banking inquiry
You can log in to China Merchants Bank Online Banking, log in to My Account, select Account Management, click Account Query, and then click Monthly Billing Date to find the billing date, and the repayment date will be known naturally.
Fourth, the "Pocket Life" APP query
You can log in to China Merchants Bank's mobile APP "Pocket Life", and after binding your credit card, you can find the billing date and repayment date of your credit card in the "Card Payment" in the APP.
The above is about "when is the repayment date and billing date of China Merchants Bank's credit card? How to inquire? " The repayment date of China Merchants Bank's credit card is 18 days after the billing date, and the billing date is randomly assigned by the system. You can check the bill date and repayment date through the above summary method.
When will the bills of China Merchants Bank be issued?
China Merchants Bank's credit card will be issued at 24 o'clock on the billing date, so it is generally recommended that you pay attention to it the next day. If in doubt, please call the credit card customer service hotline 4008205555, enter the ID number and inquiry password-then select 9 to enter the manual service for verification. (Reply time: 2065438+July 25th, 2009. Please refer to the latest business changes announced by China Merchants Bank in official website. )
A few days after China Merchants Bank spent its credit card, the bill was issued.
If China Merchants Bank's credit card is consumed on the same day, it will generally be included in next month's bill, and you can enjoy an interest-free period of nearly 50 days. Finally, please refer to the actual bill (except cash advance).
For example, a cardholder's credit card bill date is 1 and the due repayment date is 20th. Card friends spend money by swiping their cards on1October 5th, 2nd and 30th, 165438+, and the bank will make a summary settlement on February 6th, 65438+ 1
Since the billing date usually indicates the billing date, the billing data ends at 23:59:59 the night before the billing date. That is, the consumption starting at 0: 00 am on the billing day will be included in the next bill.
About the date of the credit card bill for the current day:
1. Under normal circumstances, the one-day consumption of China Merchants Bank's credit card bill is included in the next bill; For example, the bill date is 65438+125, and the consumption on the 25th is generally recorded on the 26th, so it is accounted for in the next bill. That is, it will not be repaid until February 23.
2. The single-day consumption of China Bank's credit card bill is included in the next bill; For example, a credit card bill on July 7, settled on August 7, and the final repayment date is August 27. Please refer to the bill you received for details.
3. The single-day consumption of the Bank of Communications credit card account is included in the next bill; For example, the billing date of a credit card is 10, and the payment date is July 10. The bill will be settled on August 10, and the final repayment date is September 5. Please refer to the bill you received for details.
4. Different banks have different calculation methods. Some banks with fast deposits are included in the current month, such as Shanghai Pudong Development Bank, and some banks with slow deposits are included in the next bill, such as China Merchants Bank and Bank of Communications. Banks are not unified. To be on the safe side, it is recommended to spend on the day after the billing date to avoid overdue due to different banks.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
What is the billing date of China Merchants Bank?
The billing date of China Merchants Bank is not "every day", but a dozen fixed combinations. The most common ones are: bill date 5, repayment date 23, bill date 8, repayment date 26, 1 0,28, 12,1,15,65438+.
The billing date of the newly approved card is given at random. If you are not satisfied with the combination of statement date and repayment date, you can call 4008205555 or 8008205555 to apply for manual service change, but you can only apply for modification once every six months.
Credit card repayment date of China Merchants Bank:
The interest-free repayment date is 18 days after the credit card bill date of China Merchants Bank. In each bill, the cut-off date of recorded credit card transactions is called "bill date". The due repayment date is generally about 18 days after the bill date (subject to the bill). 3 natural days after the due repayment date is the repayment grace period.
The billing date of different cardholders may be different. For example, the 25th of each month is the billing date, and each billing date records all transactions recorded from the 26th of last month to the 25th of this month, and the corresponding final repayment date is the following month 13. Generally, the consumption on the 25th will be recorded on the 26th, and will be included in the next bill.
Interest-free period refers to the period from the bank bookkeeping date to the due repayment date when the cardholder repays all the repayable amount before the due repayment date (inclusive) and enjoys interest-free treatment for consumer transactions. If the cardholder fails to repay in full in the current period, and the unpaid amount does not exceed RMB 65,438+00 or US$ 65,438+0 yuan, the consumer transactions that can enjoy interest-free treatment will not be subject to interest and late fees.
The longest interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations.
When will China Merchants Bank's credit card bill be issued? This concludes the introduction of when China Merchants Bank's bill will be issued on the same day. I wonder if you have found the information you need?