The billing date and repayment date of Bank of Communications credit cards can be adjusted. Cardholders can call customer service to apply for adjustment. The billing date and repayment date of a credit card can be modified. The cardholder can choose a date that is easier to remember from the dates provided by the bank. The following points need to be noted:
1. Bank of Communications credit card can apply for adjustment once within the validity period of the credit card. When selecting the date, try to avoid the 1st, 20th, 28th, 29th, 30th and 31st.
2. You can only apply for modification after the first bill is issued. After receiving the credit card letter, many cardholders find that the billing date and repayment date are difficult to remember, so they want to modify it immediately, but many banks do not support this.
3. If there is an installment that cannot be modified, and the credit card still has an amount that is being repaid in installments, it is not possible to apply for modification of the billing date and repayment date. You need to wait until the cardholder has paid off the installment. Can apply.
Notes on using credit cards:
1. Pay attention to two dates: billing date and repayment date
Generally, the repayment date is 20 days after the billing date. Or 25 days, if the card is swiped one day after the bill date, the interest-free period will be the longest, if the card is swiped the day before the bill date, the interest-free period will be the shortest.
2. Protect the credit card information
The three most critical information on the credit card: card number, expiration date, and CVV code. These three key information affect the security of your card use. , especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code directly, and keep those three numbers in mind.
3. Only by swiping your card frequently can you avoid the annual fee; only by paying back on time can you increase your credit limit
Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.
4. Choose the repayment method that suits you best
In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.
5. If your funds are not flowing smoothly, or your repayment is delayed due to something, you can call customer service to apply for an extension of repayment
If your funds are temporarily unable to be circulated, or your repayment is delayed due to something. If your repayment is delayed, don't worry, call the bank customer service immediately and apply for an extension of one to three days.
6. What to do if you are short of funds
When applying to change the billing date, you should pay attention to calculating the billing date and enjoy the longest interest-free period to relieve the pressure of tight funds. However, , this skill cannot be used every month. It is said that some banks can only apply for changes once every six months, some banks can only apply for changes once a year, and some banks can only apply for changes once in a lifetime!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges on their credit card can call customer service, bargain with the customer service, and apply to cancel the unreasonable charges. If the customer service disagrees, you can insist on complaining to the end. Generally, you can Winning.
8. Use credit card installments with caution
Credit card installments have very high interest rates. Even if they are interest-free, the installment fees are not cheap. You need to use installments with caution and do not let the bank make a profit on itself. Cents! Of course, except for those who are unable to repay their credit card debt on time under special circumstances, and those who want to increase their credit card limit as soon as possible.