We all know that the current longest interest-free period for domestic bank credit cards is generally 50 days or 56 days (currently available from Bank of Communications, ICBC, and Agricultural Bank of China). This maximum date refers to the consumption on the second day of the statement date before you can enjoy the benefits. So as we all know, try to use your card after the billing date to enjoy a longer interest-free period.

But is there any way to extend your interest-free period? The answer is yes. Have you ever discovered that the statement dates of some banks can be adjusted according to your wishes? Flexible adjustment of your billing date can give you a longer interest-free period. The second method is to apply for bill installment, the billing date will be postponed to the next month.

Let’s give an example:

Take China Merchants Bank as an example. Its billing date has three options: the 5th, 15th and 25th of each month, which can be changed once every six months. If your bill date is the 5th, and the last month's bill was issued on January 5th, your card payment on the 6th would have had a 50-day interest-free period, but from January 26th to February 4th, During the date, you can apply to change your billing date. You can adjust the billing date to the 25th of each month. Then your transactions on January 6th will not be billed until February 25th. It will ask you If you repay the loan on March 15th, the interest-free period for your transaction on January 6th will reach 70 days (March 15th - January 6th). If you still feel that it is not long enough, you can repay it on February 25th. After the bill is released and before repayment, apply for bill installment. At this time, the installment of the transaction on January 6th will be delayed by one month to March 25th before being credited to the bill, so that you will not be required to start repayment until April 15th. In this way, the interest-free period for your transaction on January 6th will reach 100 days (from April 15th to January 6th), which is equivalent to more than 3 months of short-term credit, and the cost is only the handling fee of one installment of the bill.

Personally, I think another thing is to choose a credit card type that suits you. For example, business travelers who travel frequently can apply for the GF China Southern Airlines Sky Pearl Card. You can accumulate miles for daily spending and redeem them for air tickets, and it also comes with free airline tickets worth up to 2 million yuan. Accident insurance; female friends who are passionate about fashion can apply for the GF True Love Card, and enjoy 3 times the points at the merchant type of their choice and receive any of the four insurances including "women's health insurance"; drivers may wish to apply for a GF Car Owner Card, which not only enjoys You can get 5 times points appreciation or 1 cash back when you refuel, and there are also considerate services such as 100 kilometers of free roadside assistance. Fewer but better credit cards can maximize the unique functions of credit cards and make it easier to implement scientific repayment planning.