Change the credit card statement date

You only need to call the bank’s customer service number to change it. However, different banks have different regulations on the number of modifications to the credit card statement date.

Hua Xia Bank Credit Card: The billing date can only be selected from 3, 8, 11, 15, 18, 21, 25, and 28. The repayment date is pushed back 20 days. If there are installments, it cannot be changed.

Bank of China Credit Card: The billing date can be selected from 7, 8, 9, 10, 12, 14, 15, 17, 19, 21, 23, 24, 25, 26, and 27, and the repayment date is Push back 20 days.

Guangfa Bank Credit Card: The system stipulates that the billing date can only be from the 6th, 7th, 8th, 12th, 13th, 14th, 23rd, 24th, 25th, 26th, and 27th , the selection within the 12 days of the 28th can only be modified once a year.

China Merchants Bank Credit Card: You can choose the date at will, and the repayment date can be adjusted to the beginning of the month, the middle of the month, or the end of the month. The frequency is adjusted once every six months.

ICBC Credit Card: One ICBC card can only be adjusted once, and the repayment date in Guangzhou can only be adjusted between the 1st and the 5th.

China Everbright Credit Card: If Everbright Bank wants to adjust the billing date and repayment date, it must pay off all debts in Everbright's name in full, and it can only be modified once a year.

CITIC Credit Card: The statement date of CITIC Bank can only be selected between the 1st and the 16th, the repayment date is pushed back 19 days, and can only be modified once in half a year.

Ping An Credit Card: The billing date can generally be a multiple of 5, the repayment date is pushed back 18 days, and can be modified once every 6 months.

How to change the credit card statement date

The credit card statement date is the day when the bank settles accounts with you. At the same time, depending on the interest-free period, the repayment date can also be derived from the statement date . However, according to the feedback of many cardholders, the credit card billing date set by the bank is not so satisfactory. For example, repayment before salary is really a sad thing. In fact, many people may not know that the credit card statement date of many banks can be changed to the day they like. How to change it well? What number should I change it to? I tell you.

China Merchants Bank Credit Card

You can choose the date at will. You can adjust the repayment date to the beginning of the month, the middle of the month or the end of the month. The frequency is once every six months

ICBC Credit Card

A ICBC card can only be adjusted once in a lifetime, and the repayment date in Guangzhou can only be adjusted between the 1st and the 5th

Ebright Credit Card

China Everbright Bank can only adjust the billing date and repayment date after paying off all debts in Everbright's name in full, and it can only be modified once a year

CITIC Credit Card

CITIC Bank The billing date can only be selected between the 1st and the 16th, the repayment date is pushed back 19 days, and can only be modified once in half a year

Ping An Credit Card

The billing date is generally OK It is a multiple of 5. The repayment date is pushed back 18 days and can be modified once every 6 months

Guangzhou Rural Commercial Bank Credit Card

Currently, there is no bill date adjustment project. Cannot be modified

Hua Xia Bank Credit Card

The billing date can only be selected from 3, 8, 11, 15, 18, 21, 25, and 28, and the repayment date is pushed back 20 days , if there is an installment, it cannot be changed

Bank of China Credit Card

The billing date can be from 7, 8, 9, 10, 12, 14, 15, 17, 19, 21, 23 , 24, 25, 26, and 27, the repayment date will be pushed back 20 days

Guangfa Bank Credit Card

The system stipulates that the billing date can only be from the 6th, 7th, or 8th No., No. 12, No. 13, No. 14, No. 23, No. 24, No. 25, No. 26, No. 27, No. 28, these 12 days can only be modified once a year

Notes

Do not set the best billing dates for different credit cards on the same day to avoid excessive repayment pressure.

Set the average daily statements of several cards at different times of the month, such as one in the first ten days, one in the middle, and one in the last ten days, which is more conducive to fund management~

Can the billing date of a credit card be changed?

Take China Merchants Bank credit card as an example. The billing date can be modified as follows:

1. The optional billing dates of China Merchants Bank are: 03 and 05 , 06, 07, 09, 10, 12, 15, 17, 18, 20, 22, 25, the corresponding final repayment dates are: 21, 23, 24, 25, 27, 28, 01, 03, 05, 06 , 08, 10, 13;

2. If you need to modify the credit card statement date, you can call China Merchants Bank’s credit card service hotline 8008205555 (free, limited to landline calls) or 4008205555 (local calls charged)-1-4-9 Transfer the manual service to handle it for you.

Warm reminder:

1. After the billing date is successfully modified, it will take effect from the next issue and cannot be modified again within half a year;

2. If in the personal account Use one bill and statement date for multiple cards;

3. Business credit card holders cannot modify the billing cycle.

The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and fees that occurred in your credit card account every month, calculate the interest, and calculate the total amount you owe and the minimum payment for the current period. amount and send you a statement. This date is your credit card statement date.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

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.

How to modify the billing date of a credit card

The billing date of a credit card can be modified, and most banks provide multiple billing date options. However, there is a limit on the number of modifications per year. Taking Bank of Communications as an example, cardholders can call Bank of Communications credit card customer service hotline 400-800-9888, and then follow the customer service instructions to complete the modification of the statement date.

That’s it for the introduction on how to change the credit card statement date.