For example:
1, China merchants bank credit card, the repayment date is fixed with the billing date, and the repayment date is 18 days after the billing date. The corresponding repayment date on the 2nd is the 20th.
2. Bank of Communications credit card, the 25th day after the billing date is the repayment date, that is, the billing date is 2 days and the repayment date is 27 days.
3. Shanghai Pudong Development Bank credit card, the final repayment date is 20 days after the billing date (from the billing date). If your bill date is the 2nd of each month, the repayment date is the 2nd1of each month.
4. CCB credit card, the repayment date is 20 days after the bill date. The 2nd of each month is the bookkeeping date, and the repayment date is 22nd.
Extended data:
First, credit cards are mainly divided into three situations because different banks have different access rules:
1, those recorded on the same day will be billed this month;
2. The next day will be charged to next month's bill;
3. Another is accounting by time period. As long as you swipe your card before a certain time period, it will be included in the current month's bill, and after this time period, it will be included in the next month's bill.
Second, credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the account date.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
Third, credit card repayment
The due repayment date is also called the final repayment date. If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you may face the following penalties:
1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis;
2. Receive phone calls and letters from banks;
3. Freeze your account, feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;