The credit card statement date refers to the day when the bank settles your account, that is, the statement date. \x0d\　The repayment date refers to the day before which you must repay, otherwise you will have a bad record and accrue interest. \x0d\For example: Bank of China's settlement is from the 1st to the end of each month. For example, if you make a purchase on November 1st, then the bill for this month will be issued on November 31st (bill date), then you will be charged on November 31st. Repayment must be made before the 20th of the month (repayment date). All repayments made before December 20th are interest-free. If not, interest and bad records will accrue. If you purchase on November 30th, the repayment date is also December 20th. And so on. As a reminder, the repayment date and billing date are different for each bank. The regulations of each bank are slightly different. The latest payment date is generally pushed back 20 or 24 days after the bill date. \x0d\ The relationship between the bill date and the repayment date remains unchanged. As long as the bill is issued, it must be repaid within 20 days \x0d\ The biggest advantage is that you can overdraft first and then repay \x0d\ Some banks on the bill date are It’s fixed, and some are mailed to you based on the day you approve the card plus a few days, which is the statement date (such as China CITIC Bank). This helps customers get the card and then activate it. Just after the statement date, you can enjoy The longest interest-free payment period is 50 days. The biggest advantage of using a credit card is that you can overdraw first and then repay, and enjoy the interest-free period. The interest-free period refers to the time between the loan date (bank accounting date) and the due repayment date. Because customers swipe their cards to make purchases in sequence, the length of the interest-free period they enjoy is different. At present, the interest-free period of various banks is about 20 to 50 days. If you want to fully enjoy the interest-free period, you must know the bank's statement date and repayment date before overdraft consumption, and calculate the repayment time. \x0d\ Taking ICBC’s Peony International Credit Card as an example, the bank statement date is the last day of each month. The billing cycle is from the 1st of the month to the statement date, and the repayment date is the 25th of the following month. For example, if you swipe your card for consumption on March 30 and March 31 is the ICBC billing date, you can repay the payment no later than April 25 and enjoy the 25-day interest-free period. If you swipe your card for consumption on April 1st, the billing date will be April 30th, and the repayment date will be May 25th. You can enjoy a 56-day interest-free period. \x0d\ [Edit this paragraph] \x0d\ The specific regulations of each bank shall prevail \x0d\ When users apply for a credit card, they will receive a billing date randomly \x0d\ Some banks have more than one billing date, such as China Merchants Bank The three billing days, the 5th, the 15th, and the 25th, respectively correspond to the three repayment dates: the 23rd of the month, the 3rd of the next month, and the 13th of the next month. Users will get a random statement date when they apply for a credit card, but you can also ask the bank to change it based on your spending habits. For example, if you often spend money at the beginning of the month, it would be more cost-effective to choose the 5th as the billing day. \x0d\　If you only pay the minimum repayment amount, the interest will be calculated by subtracting the amount you repaid from the repayment amount one by one in chronological order according to priority, starting from the payment that is not enough, and each payment will be calculated from the date the card is swiped. Interest of 0.05% per day (note that the starting date is the card payment date, not the statement date) until you pay it off. \x0d\ Attachment: \x0d\ Detailed list of credit card statement dates and repayment dates of each bank \x0d\ Bank and customer service phone number Interest-free period statement date and final repayment date \x0d\ ICBC Peony International Card \x0d\ 95588 25-56 days The last day of each month cannot be changed to the 25th of the following month\x0d\ CCB Dragon Card\x0d\ 95533 20-50 days The 7th, 17th or 27th of each month, the cardholder can change it once during the validity period of the card.

The 20th day after the bill date\x0d\ Agricultural Bank of China Credit Card\x0d\ 95599 25-56 days on the 10th of each month, the 5th of the next month cannot be changed\x0d\ Bank of China Credit Card\x0d\ 95566 20-50 days on the 10th of each month , the 20th day after the bill date on the 15th or 25th\x0d\ CMB Credit Card\x0d\ 95555 20-50 days The 5th, 15th or 25th of each month, the 23rd of the month, the 3rd of the following month or the 13th of the following month\x0d\ Guangfa Credit Card\x0d\　95508 20-50 days are divided by city. Each city has its own billing day and cannot be changed: For example: the billing day in Beijing is the 5th of the following month on the 20th\x0d\ Industrial Credit Card\x0d \ 95561 20-50 days on the 8th, 18th, 11th and 21st of each month. Each cardholder can change the 20th day after the billing date once within half a year\x0d\ CITIC STAR Card\x0d\ 95558 26-26 days Randomly generated, It cannot be changed. The 26th day after the bill date\x0d\ Shenzhen Development Bank\x0d\ 95501 20-50 days The 10th of each month is the bank settlement day on the 8th of the next month\x0d\ Shanghai Pudong Development Bank\x0d\ 95528 20-50 days the monthly statement day It is generated with the system, fixed for each cardholder, and cannot be changed. The 20th day after the bill date \x0d\ Bank of Communications \x0d\ 95559 25-56 days The monthly bill date is generated with the system and is fixed for each cardholder and cannot be changed. 15th of the following month\x0d\ Minsheng Bank\x0d\ 95568 20-51 days 1st, 3rd, 6th, 9th, 11th, 13th, 16th, 19th, 21st, 24th, 26th of each month The day and the 28th can be changed once per calendar year. The 20th day after the statement date \x0d\ Everbright Bank \x0d\ 95595 20-50 days The 1st of each month cannot be changed. The 20th of every month\x0d\ Hua Xia Bank\x0d\ 95577 26-56 days Each cardholder’s billing date is different, and your statement will list your billing date for each issue. The 26th day after the bill date can only be changed once a year\x0d\ Bank of Beijing\x0d\ 4006601169 20-50 days The 27th of each month is the bank settlement date The 20th day after the bill date\x0d\ Ping An Bank\x0d\ 4008824365 18-49 days On the 18th day after the bill date on the 5th, 10th, 15th, 20th and 25th of each month\x0d\ Postal Savings Bank\x0d\ 95580 20-50 days On the 3rd and 16th of each month, customers can contact the credit card customer service hotline Choose another day as your new billing day. \x0d\　Note: The billing date can only be adjusted once a year; you can apply to adjust the billing date after receiving the first bill. For example, customer A's billing date is the 3rd of each month, and he must adjust the billing date after receiving the first bill in the following month. , the billing date can be modified, that is, the premise for modifying the billing date is that a bill has been generated on the original billing date and the adjustment is only allowed once a year. On the 20th day after the bill date\x0d\\x0d\ When the account is normal and there is no outstanding balance, the cardholder should apply for changes after the bill is issued; \x0d\ The details will depend on each bank. The regulations shall prevail. If cardholders cannot remember or are confused when using the card, it is best to call the manual customer service to ask for clarification to avoid incurring high interest rates.