This should be nothing worth it! The billing date is just a bill of the amount to be paid back behind you, depending on how much you spend. There is nothing you can do about it. If we say how to use it cost-effectively, it is nothing else to see whether there is a discount on ABC's credit card during the consumption process, or whether there is any activity between merchants and ABC's bank card.
How to use ABC credit card
First, you can use a credit card, but pay attention to the bill date, repayment date and consumption time:
The repayment date of ABC's credit card is the 25th day after the bill date. For example, the billing date of each month is 27th, and the billing date of August is 27th, so the repayment date is 25th day after the billing date, that is, September 2 1.
That is to say, if you spend money by credit card from August 28th to September 27th, it will arrive on September 27th, and you can repay it before1October 22nd, 65438.
Credit card spending from September 28th to June 27th, 10, arrived on June 27th, 1 10,1can be repaid before October 27th. (September is 30 days, 65438+1October is 3 1 day)
Therefore, if the bill is swiped on the same day, the interest-free period is the shortest, only 25 days (swiping the card on September 27th,1repayment on October 22nd, 10); If you swipe your card after the bill, the interest-free period is the longest, only 56 days (swipe your card on September 28th,1repayment on October 28th, 1 1).
Second, you can borrow cash in advance, that is, withdraw cash, without interest-free period, with a daily interest rate of five ten thousandths and a handling fee.
Extended data:
Nowadays, based on the principle of "cooperation, communication, innovation and win-win", Jinsui Credit Card has established a card-issuing network, service platform and channel construction with industries with growth potential, and formed a multi-level and multi-angle cooperation system with all sectors of society around brand cooperation, customer sharing, channel cooperation, service network co-construction and sharing, and product research and development cooperation, so as to create a perfect life experience for cardholders and convey superior life value.
Brief introduction of function
Huinong Credit Card is one of the Jinsuika series products of Agricultural Bank of China, which was launched by Agricultural Bank of China on June 5438+1October 6, 2009, and is designed for high-end customers in county rural areas with good credit concept. Huinong Credit Card can not only be used as a tool for your payment, settlement, savings and financial management, but also provide credit to meet your short-term and frequent needs, and provide a number of personalized auxiliary functions to fully serve your production and life.
1, combination of lending and borrowing, instant credit granting.
Huinong Credit Card has a powerful lending function. You can open current and multiple fixed sub-accounts, deposit your own funds and earn deposit interest. Moreover, after receiving the card, there is no need to go through other procedures, and you can directly overdraw the letter within the credit line approved by our bank, flexibly arrange your own production and operation funds and manage family property.
2. Revolving overdraft and quick turnover
Within the credit line approved by our bank, you can borrow and repay at any time according to your own funds, and the interest is calculated according to the actual days of use. After repayment, the credit line is immediately restored and can be used again, realizing rapid capital turnover, saving capital use cost and maximizing asset appreciation.
3, full cash withdrawal, easy to use