The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill.
Card friends' credit card bill date is 1, and the due repayment date is 20th. Card friends1October 5th, 2nd, 30th. 165438+. At this time, the bank will make a summary settlement of your expenses on the day of February, 1, and it will pass at the same time. (Since the billing date usually indicates the billing date, the billing data is as of 23:59:59 the night before the billing date. That is, the consumption starting at 0: 00 am on the billing day will be included in the next bill. Note: As the information in brackets above has not been confirmed by all banks, it is recommended to confirm with your own issuing bank first. At the same time, it should be noted that the billing date of each bank is not the same day. Moreover, for the billing date, some banks also provide the function of modifying the billing date to make your repayment more flexible.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
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).