If you want to pay it back, it will not show the money you paid before when the bill is issued.

What you must know about credit card repayment:

1, accounting date

Credit card billing date refers to the day when the issuing bank regularly summarizes and settles the transactions and expenses of the cardholder's credit card account in the current period, calculates the total amount owed and the minimum repayment amount in the current period, and posts the statement for you.

The date of the credit card bill of some banks can be changed, and the number of changes and date restrictions of different banks are different.

2. Repayment date

Usually the credit card repayment date is the 20th day after the bill date.

3. Repayment delay: time tolerance

Time tolerance: if the cardholder owes less than 3 days 10 yuan, it will be regarded as timely repayment, and the bank should remind him 3 days before the due repayment date of the credit card.

If you accidentally forget to repay, the cardholder should immediately call the bank customer service to apply for time service within 3 days after the repayment date.

4. Automatic repayment

Automatic repayment is the most time-saving and worry-free of all repayment methods of credit cards. However, the reduction of inter-bank repayment limit by some banks may lead to the failure of automatic deduction. Cardholders who are accustomed to using inter-bank automatic repayment business should pay attention to the repayment status of credit cards to avoid overdue.

5. Minimum repayment amount

The minimum repayment amount is the minimum amount that the cardholder needs to repay, which is shown on the credit card bill of the current month. The minimum repayment amount can alleviate the financial shortage of card friends and will not affect personal credit records. However, you can't enjoy the interest-free repayment period. All consumption in the current period will bear interest from the bookkeeping date, with a daily interest rate of 0.05% (the annual interest rate is equivalent to 18.25%) and compound interest on a monthly basis.

Calculation of minimum repayment interest:

The first stage: amount (actual amount of credit card swiping) × interest rate (0.0005 per day )× time (days from the day of credit card swiping to the day before the minimum repayment);

The second stage: amount (remaining unpaid amount) × interest rate (0.0005 per day )× time (days from the date of minimum repayment to the day before repayment).

References:

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