Second, the interest-free period calculation method:
The date of this bill ends at the repayment date of this bill.
Third, for example:
If your accounting date is 7th and repayment date is 25th, if you spend 1000 yuan on February 7th, then your consumption on February 7th will appear on the bill of 65438+1October 7th, and you can pay it back on1October 25th at the latest, which means there is a 47-day interest-free period.
But if you spend 1000 yuan on February 6, 65438, it will be on the bill on February 7+February 25, 65438 at the latest. If you spend 1 day in advance, the interest-free period is only 20 days.
Four. Remarks:
1, accounting date: refers to the date when the card issuer regularly summarizes the cardholder's transaction funds and expenses, calculates interest and calculates the cardholder's current repayment.
2. Repayment date: refers to the bank bookkeeping date when the cardholder repays the arrears to the card issuer. The latest date agreed by the card issuer and the cardholder for the credit card holder to return the current payable amount or the minimum repayment amount.
3. Interest-free repayment period: refers to the time period during which credit card overdraft transactions can enjoy interest-free treatment from the bank bookkeeping date to the due repayment date (inclusive), except cash withdrawal and transfer overdraft transactions.
How to get a 56-day interest-free period by using Bank of Communications credit card? Very simple: you can enjoy the longest interest-free period of consumption the day after the account date!
How to enjoy the longest 50-day interest-free period of CCB credit card? The so-called interest-free period of up to 50 days means that the money you spend by swiping your card on the same day can be spent on the 50th day (inclusive). Generally, if you want to spend the longest time, it should be on the second day of the billing date, then this consumption can enjoy the interest-free period of up to 50 days. For details, please consult 95533, but some banks stipulate the repayment date. For example, ICBC, the repayment at the beginning of each month has nothing to do with the bill.
How to calculate the interest-free period of credit card? From the credit card date to the repayment date, this period is an interest-free period.
Different banks have different interest-free periods.
How to skillfully use the interest-free period of credit cards? There are two important dates, one is the arrival date and the other is the repayment date. For example, the billing date is the 6th of each month, and the repayment date is the 26th of each month. If you spend a sum on the 7th of this month, the final repayment date of this consumption is the 26th of next month. If this month is 365,438+0 days, you can enjoy an interest-free period of up to 50 days.
If you spend money on the 5th of this month, you must repay it before the 26th of this month to enjoy the interest-free period, that is, the interest-free period is 2 1 day.
It can be seen that the repayment date after the first account after the consumption date is the final repayment date.
Therefore, the rule of interest-free period is that the closer the future consumption is to the account date, the longer the interest-free period, and vice versa.
How long is the interest-free period of the communication card? How many days is the interest-free period of Bank of Communications credit card? The interest-free period is 25 to 56 days.
The length of the interest-free period mainly depends on the billing cycle and consumption date.
How to apply for interest-free period for credit card arrears? Different banks have different regulations on the use of credit cards. Credit cards can enjoy an interest-free period of up to 50 days or even 56 days. In fact, consumers can enjoy the longest interest-free credit card discount as long as they calculate in advance.
Although different banks have different regulations on accounting date and due repayment date, the principle is basically the same. For example, ICBC currently stipulates that consumption this month will be interest-free until the 25th of next month. If the cardholder spends money in May 1, the interest-free period is May 3 1 plus June 25, with a maximum of 56 days.
The bank bookkeeping date of CCB Longka Credit Card is 20th of each month, and the due repayment date is15th of each month. If he swipes his card on August 2 1, he can end it on August 10 and enjoy the interest-free period of up to 55 days.
The longest interest-free period of a credit card is over 50 days. Generally, there is a 20-day interval from the billing date to the repayment date. If you spend after the billing date, there will be an interest-free period of 40-50 days until the repayment date next month.
Credit card overdue for 90 days, including 50 days interest-free period, is not overdue. There is no interest during the 50-day interest-free period, but if it is not returned within 50 days, it will be overdue, which will affect the credit investigation. It is recommended to return it in time or at least.
How to extend the interest-free period of credit cards? If the credit card is a credit card of China Merchants Bank, the interest-free period refers to the period from the bank bookkeeping date to the due repayment date when the cardholder repays all the payable amount before the due repayment date (inclusive). 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.