When will the credit card be returned

Generally speaking, it is 18 to 25 days after the billing date.

the repayment period of the credit card is calculated according to the billing date of the credit card and the consumption date of the credit card, and it is not fixed.

when issuing the card, the bank will tell you when the billing date is, and each bill will also have a billing date.

the repayment period varies from bank to bank, generally speaking, it is 18 days to 25 days after the billing date, of which the shortest is 18 days for China Merchants Bank and the longest is 25 days for Industrial and Commercial Bank of China.

the period from the date of using the credit card to the billing date plus the repayment period is the date of enjoying interest-free repayment.

according to this calculation scheme, consumption on the day after the billing date can enjoy the longest interest-free repayment, and consumption on the day before the billing date can enjoy the shortest interest-free repayment period. Generally speaking, the interest-free repayment period of credit cards is about 2 days to 5 days.

For example, your billing date is 12th, the date when you use your credit card for spending is 11th, and the interest-free repayment period stipulated by your card-issuing bank is within 2 days after the billing date, so your repayment is only 2 days. If the date of your credit card consumption is 13th, the consumption will enter the next bill, and the bill will not be generated for your consumption until 12th of next month, so you have a 5-day interest-free repayment period, that is, 3 days from 13th of credit card consumption to 12th of the following month plus 2 days after bill generation.

supplementary information:

CreditCard (English: credit card), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.6mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, whereby they can make purchases, spend money and deposit and withdraw cash from banks. The form is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, and cardholders can spend first and then repay within the credit limit. Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

the credit card has arrived. when will I repay what I spent today?

the amount spent on the credit card on the repayment date will be repaid on the next repayment date.

1. Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the repayment amount is brushed out and the funds are returned to the bank. Although the biggest feature of credit card is its overdraft function, it actually constitutes a loan relationship between customers and banks. Failure to repay at maturity may not only cause law, but also bear a high penalty interest, and the most important thing is to form a bad record.

2. The repayment methods mainly include: the issuing bank's counter, ATM, online banking, automatic transfer, telephone banking and other repayment methods. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

third, the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

iv. convenience store repayment convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

5. The common online repayment methods in China are: Baidu Wallet, UnionPay Online, Quick Money, Shengfutong, Alipay, Yifubao, etc. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

VI. Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

VII. The consequences of overdue repayment of credit cards are serious, so overdraft consumption should be moderate. Although the biggest feature of credit card is its overdraft function, it actually constitutes a loan relationship between customers and banks. Failure to repay at maturity may not only cause law, 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. Consequences of overdue repayment of credit cards.

VIII. After the credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If it is not fully repaid on the last repayment date, it will generate revolving credit interest on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

how long does it usually take to repay a credit card?

credit card repayment period is generally 2 or 25 days after the bill date. However, this repayment date is the last repayment date. Even if the consumption amount is not recorded, users can choose to repay in advance. Therefore, the repayment period of the credit card is more about informing the user of the final repayment time, and the user must complete the final repayment on the repayment date.

Extended information:

The repayment time of a credit card can be divided into the following two periods:

Normal repayment time

The normal repayment time of a credit card is from the billing date of the credit card to the final repayment date. The repayment made during this period is normal repayment.

it is recommended to repay the loan two to three days before the repayment date. If the repayment time is too early, the interest-free period given by the bank is used too little, which is not cost-effective;

if the repayment is too late, especially on the repayment date, it is likely to be forgotten because of busy work and other reasons.

or the funds are not received in time, which may cause overdue repayment and form overdue records.

prepayment time

Any repayment before the bookkeeping date belongs to prepayment. If it is not for special reasons, it is recommended not to repay the loan in advance.

some cardholders believe that early repayment will help the bank to increase the quota. In fact, this idea has no factual basis.

the interest-free period given by the bank can be used normally, as long as it is repaid before the repayment date, and there is no need to repay it too early.

a credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card printed with the name of the issuing bank, the validity period, the serial number and the name of the cardholder. Front and back with magnetic stripe and signature strip. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of China (Interpretation of the National People's Congress Standing Committee (NPCSC) on Credit Card Regulations) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Code for Translation and Writing of Business English was officially implemented, stipulating that the standard English name of a CreditCard is Credit Card.

a general credit card is a special plastic card with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The front is printed with the issuer's name, expiration date, number and cardholder's name, and the back is provided with a chip, a magnetic stripe and a signature strip. Cardholders can use credit cards to shop, consume and deposit and withdraw cash in special units.

that's enough for the introduction of how long it takes to repay a credit card.