What is the repayment period for CITIC Bank credit cards?

The repayment date for a CITIC Bank credit card is 19 days after the bill date (not including the bill date), and the bill date is the 6th of each month. Then, the monthly repayment date is the 25th.

Billing date: It is the date when the bank issues the cardholder’s consumption statement every month.

Repayment due date: refers to the expiration date of the repayment period corresponding to each billing cycle of the bank.

Interest-free repayment period: The period from the bank accounting date to the due repayment date specified by the bank is the interest-free repayment period.

The longest interest-free period for CITIC Bank credit cards is 50 days, and the shortest is 20 days. The length of the interest-free period that cardholders can enjoy varies depending on the day when the card is swiped for payment. The longest interest-free period can be enjoyed by spending the day after the billing date.

When are the billing dates and repayment dates for CITIC Bank credit cards every month?

The repayment date of CITIC Bank credit card is random. Different cardholders may have different billing dates. The repayment date is the 18th day after the statement date. When calculating the repayment date based on the bill date, you should pay attention to it. If there are months in between, you should distinguish between the big and small months. Assuming the bill date is June 6, the repayment date is June 25. If the bill date is June 18, the repayment date is July 7.

The method for querying the bill date and repayment date of CITIC credit card is as follows:

1. Consult customer service by phone;

2. Log in to online banking or mobile banking to query;

3. You can check the WeChat official account;

4. There will be reminders via SMS after the monthly bill;

5. It can also be included in the monthly electronic statement See.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (Banco Bilbao Vizcaya Argentaria, S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reported that in March 2020, China CITIC Bank provided personal bank account transaction details to a third party without the customer’s authorization. , violating the principle of confidentiality for depositors. Our bureau will start the investigation process in accordance with relevant laws and regulations, and investigate and deal with it strictly in accordance with the law and regulations.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

How to calculate the repayment date of Bank of China credit card

After the credit card application is approved, a monthly billing date will be determined for you, which may not necessarily be the 25th. Please refer to the actual billing date. .

The above content is for your reference, please refer to actual business regulations.

This is the end of the introduction about the repayment date of CITIC credit card. I wonder if you found the information you need?