The billing date of a credit card can be modified according to your own needs. If you have two credit cards, it is recommended to stagger the billing date, so that the repayment date will be staggered and the repayment pressure will be much less. In addition, it is suggested that the commonly used credit card repayment date should be two days after the salary or monthly income is paid, so you don't have to worry about having no money to repay.

2. The choice of repayment method

There are many ways to repay by credit card. If you don't want to forget the repayment because of carelessness, it's best to bind the savings card and open the automatic repayment function. Note that some banks will limit the repayment amount of autopay. If the bill repayment amount is too large, be sure to pay attention to whether the money in the savings card is enough.

3, credit card consumption optimization repayment

1) Which card can enjoy benefits and rights, and which card can get points to swipe the card;

2) You can enjoy the longest interest-free period if you grasp the billing date and spend the credit card bill in the future.

Expansive material:

If the operation is improper and the repayment is not made in time, the consequences of overdue repayment will be very serious, so overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees.

Cause legal disputes

Leave a "credit stain"

Baidu Encyclopedia _ Credit card repayment