How to calculate the credit card repayment date

What is the credit card repayment date

The credit card repayment due date refers to the credit card issuing bank requiring the cardholder to return the dues Last date for payment. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

Calculation of repayment date for each bank’s credit card

1. ICBC credit card

The billing date for ICBC credit card is the end of each month, that is, the 30th or 31st. The payment date is the 25th of the following month. The billing date and repayment date of ICBC are fixed.

2. CCB Credit Card

The repayment date for CCB credit card is 20 days after the bill date. The billing dates available for CCB credit cards are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27. The billing date of CCB credit card can be adjusted, but the billing date can only be modified once in a calendar year.

3. Bank of China Credit Card

The repayment date for Bank of China Credit Card is 20 days after the bill date. There are 28 billing dates for Bank of China Credit Card (Bank Center Credit Card Center credit card application). These 28 billing dates are from the 1st to the 28th. The billing date is randomly determined by the Bank of China Credit Card holder when applying for a credit card. Under normal circumstances Customers cannot adjust the billing date.

4. Agricultural Bank of China Credit Card

The final repayment date for Agricultural Bank of China Credit Card is the 25th day after the billing date. There are four billing dates, including the 10th, 20th, 17th and 27th, depending on the card and cannot be modified.

5. Bank of Communications Credit Card

Bank of Communications. The credit card repayment date is 25 days after the billing date. The monthly billing date for the Bank of Communications credit card is generated by the system, and the user has only one chance to modify it within the validity period.

6. CITIC Bank Credit Card

The final repayment date for CITIC Bank credit cards is 19 days after the statement date (excluding the statement date). The bill date is the 15th of each month, and the final repayment date for the June 15th statement is July 3rd. The monthly statement date of CITIC Bank credit card is determined by the system and is fixed for each cardholder.

7. Industrial Bank Credit Card

The final repayment date is the 20th day from the bill date (the final repayment date varies by month). The optional bill dates are: the 2nd, 4th, 8th, and 11th of each month. The 13th, 18th, 21st, and 23rd.

8. The final payment date for Ping An Bank credit cards is the 18th day after the statement date. Set as: 5th, 10th, 15th, 20th, 25th. You can modify the billing date and final payment date as needed, and can only modify it twice a year.

9. Everbright Bank Credit Card.

The final repayment date for Everbright Bank credit cards is 20 days after the billing date. The billing dates are the 1st, 5th, 8th, 15th, 18th, 22nd and 25th of each month. The system automatically generates the billing date and cannot change it after it is generated.

10. China Merchants Bank Credit Card

The billing date for China Merchants Bank Credit Card is 18 days after the last payment date. It can be set to the 5th, 7th, 10th, 12th, 15th, 17th, 22nd, and 25th of each month.

11. Shanghai Pudong Development Bank Credit Card

Pudong Development Bank. The final payment date for a bank credit card is 20 days after the statement date (from the statement date).

How to calculate the credit card repayment date?

Billing. 20 days after the due date is the repayment due date. Since the number of days in each month is different, and the number of days in February is special, it is recommended that you arrange the repayment matters. You can use Bank of China Mobile Banking, "Bank of China Credit Card" WeChat official account, Binfen When checking credit card bills through life APP and online banking, please refer to the due date shown on the bill for the specific date.

The above content is for your reference. Please refer to the actual business regulations.

How to calculate the credit card repayment date?

Different banks calculate the credit card repayment date in different ways. Generally, it can be divided into two situations: 1. It is clearly stipulated that one day of each month is The interest-free deadline is the period from the consumption date to the deadline.

For example, ICBC’s Peony Credit Card stipulates that the billing date is the last day of the month and the repayment date is the 25th. For example, if a user makes a purchase on January 1st, he or she can repay the payment by February 25th at the latest, enjoying the longest 56 days interest-free period.

2. The cardholder sets a billing date, and then sets the latest repayment date based on the billing date. The interest-free period is the date between the consumption date and the latest repayment date.

If the bank stipulates that the credit card repayment date is how many days after the statement date. For example, the repayment date for China Construction Bank, Bank of China, CITIC Bank, etc. is 20 days after the credit card statement date. The repayment date for Bank of Communications and Agricultural Bank of China credit cards is 25 days after the statement date. For example, the Agricultural Bank of China credit card statement date is 10 days, then the repayment date is It's the 5th.

The credit card payment due date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, all the charges previously consumed should be paid off before the due repayment date. In fact, the repayment due date is the last day of the interest-free repayment period. Repayments before this date are interest-free. Overdue interest and late payment fees will be charged. The interest-free repayment period is different for each bank.

How to calculate the credit card repayment date?

Hello, if you hold a China Merchants Bank credit card, the credit card has a specified billing date and repayment date, and the repayment period has a cycle. The "billion date" refers to the cumulative unpaid balance of the card issuer to the cardholder every month. The principal of consumption transactions, the principal of cash withdrawal transactions, fees, etc. are also summarized, the interest is calculated, and the date on which the cardholder should repay the amount is calculated. "Repayment due date" refers to the last date stipulated by the card issuer when the cardholder should repay the entire amount due or the minimum repayment amount (the consumption amount can be repaid before the due repayment date, and the payment must be made no later than the due date). Just pay it back to your credit card before 24:00 on the day of payment). For example: If the 5th of each month is the billing day and the 23rd of each month is the repayment day, then the consumption from the 5th of the previous month to the 4th of this month will be repaid on the 23rd of the month. You can call your credit card to manually confirm the billing date and repayment date of your credit card.

That’s it for the introduction of how to calculate the final payment date of a credit card.