Can the repayment date of Shanghai Bank's credit card be changed? How to check the repayment date?
Shanghai Bank has been developing quite well. It is called "the best city retail bank in China", with a lot of customer service, and more and more people come to Shanghai Bank to apply for cards. There are also many discussions about Shanghai Bank's credit card. Someone asked: Can the repayment date of Shanghai Bank's credit card be changed? How to check the repayment date? I will answer your questions today.
Can the repayment date of Shanghai Bank's credit card be changed?
the repayment date of Shanghai bank credit card can be changed, but it can only be changed once a year, because the billing date of Shanghai bank credit card can only be changed once a year, and the repayment date depends on the billing date.
If you want to modify the repayment date, just change the billing date directly. The repayment date is the 25th day after the billing date. You can select the appropriate date from the 5th, 8th, 1th, 11th, 15th, 16th, 18th, 2th, 22nd, 25th and 27th to modify your billing date.
how to check the repayment date of Shanghai Bank's credit card?
1. Telephone inquiry
You can call the customer service telephone number of Shanghai Bank at 95594 to inquire about the repayment date of your card.
second, online banking/mobile banking inquiry
you can log on to the online banking or mobile banking of Bank of Shanghai to inquire about the repayment date of your card.
iii. card letter/statement inquiry
when applying for a card, the bank will send you a card and a card letter, which will contain the repayment date information of your card. The bank will send a statement every month, and there is also repayment date information on the statement.
The above is about "Can the repayment date of Shanghai Bank's credit card be changed? How to check the repayment date? " The answer. The repayment date of Shanghai Bank's credit card can be changed. As for wanting to know when the specific repayment date is, you can find it quickly through the above method.
when is the repayment date of Meituan's Shanghai credit card?
The optional dates of Shanghai Bank's credit card billing date are 5th, 8th, 1th, 11th, 15th, 16th, 18th, 2th, 22nd, 25th and 27th of each month.
Shanghai Bank Credit Card Center randomly selects one of these dates as the applicant's billing date when approving the applicant's credit card.
the mission of meituan is "to help everyone eat better and live better". As a leading e-commerce platform for life service in China, the company has apps that consumers are familiar with, such as Meituan, Public Comment, Meituan Takeaway, etc. The services cover more than 2 categories such as catering, take-away, fresh retail, taxi, * * * bicycle enjoyment, hotel tourism, movies, leisure and entertainment, and the business covers 28 counties and cities across the country.
The secret of the billing date of Shanghai Bank's credit card
The last repayment date of Shanghai Bank's credit card is 25 days after the billing date. For example, the 1st of each month is the billing date, and the last repayment date is the 26th of that month.
Shanghai Bank's credit card billing date refers to the date when Shanghai Bank collects the accumulated outstanding consumer transaction principal, cash withdrawal transaction principal, expenses, etc. of the credit card every month, calculates the current repayment amount of the cardholder. That is, the date when the cardholder with the Shanghai Bank credit card received his current credit card bill.
The repayment time of Shanghai Bank's credit card is due on April 6th. Can it be repaid in advance?
yes, it's a good habit to pay back a few days in advance. after all, it's not good to pay back after it has not arrived.
Credit card will be reported at the meeting a few days after it is overdue.
Every bank's credit card has a certain grace period for repayment, and the repayment within the grace period will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special repayment grace periods, as follows:
1. Bank of China:
The repayment grace period of the platinum credit card of China Bank is 9 days, while that of other credit cards of China Bank is 3 days.
2. Postal Bank:
The repayment grace period of Postal Bank of China is 4 days.
3. Guangfa Bank and Citibank:
The grace period for repayment of both Guangfa Bank and Citibank requires special application, which is generally about 3 days.
4. Agricultural Bank:
The grace period for repayment of China Agricultural Bank is 2 days.
5. Industrial and Commercial Bank of China:
The Star Card and Struggle Card of China Industrial and Commercial Bank of China can have a grace period of three days, while other credit cards of ICBC have no grace period.
What will happen if the credit card is overdue?
If the overdue degree reaches a very serious state, it will constitute a malicious overdraft and will be convicted of credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, more than 5 years and less than 1 years, or more than 1 years, and a fine of more than 2, yuan and less than 2, yuan, more than 5, yuan and less than 5, yuan or confiscation of property.
if the credit card is overdue for more than 6 times in two years, you cannot apply for provident fund loans. A short-term careless overdue once or twice may still be possible to save, but if we are overdue for three times in two years, then our provident fund loan will be out of our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using credit cards.
If the overdue period is not serious, theoretically, we can still apply for bank loans. Many cardholders who want to borrow money to buy a house have been overdue, and credit information has a bad record. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by at least 1% because of your credit problem. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused a loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not be overdue.
How to inquire about the credit card billing date of Shanghai Bank
Credit cards have always been favored by many people, but some people will be troubled because they are not clear about the relevant information of credit cards when using them. So how to inquire about the credit card billing date of Shanghai Bank? Please see the introduction below.
1. Inquire through online banking: Open the credit card center official website, log in to online banking of credit cards, and you can see the billing date and repayment date on the billing page.
2. Inquire through the credit card customer service hotline: dial the customer service phone number of the credit center, connect the phone, enter the telephone banking password according to the voice prompt, pass the identity verification, and then transfer to a manual agent to inquire about the repayment date and billing statement;
3. Inquire through the credit card guide: when applying for card opening, mail the card, and the bank will attach the information of the credit card user guide with the mailed envelope, which will introduce the credit card limit, repayment date and billing date.
That's the introduction of the query method of Shanghai Bank's credit card billing date.
So much for the introduction of the repayment date of Shanghai Bank's credit card.