If a credit card payment is made, the bill will not be displayed until the billing date comes. On this single day, the previous consumption amount will appear on the bill. Of course, some consumption will be included in the next month's bill and will appear on the next month's bill. If users have SMS reminder services or follow the bank's WeChat official account, they can also know the credit card consumption status in real time.

For users, it is normal for the credit card to be used and the bill is not displayed. As long as the user checks the bill after the bill is issued on the bill day.

If it is a China Merchants Bank credit card, you can enjoy the interest-free period for swiping the card. The interest-free period means that if you pay off all the consumption before the final repayment date, you do not need to pay any interest. If your consumption is before the bill date of the current period, it will be included in the bill of the current period, and you must repay it before the repayment date of the current period; if it is after the bill date, it will be included in the bill of the next period, and you can repay it before the repayment date of the next period. .

First, the methods for sending bills are as follows.

1. Paper bill - the choice of the Conservative Party, delivery time: around the 3rd day of the bill date. The shipping method is regular mail and will be sent to the reserved billing address.

2. Email bill - the email master's choice, the sending time is the 2nd day of the bill date, and will be sent to the reserved email address. As the most convenient, fastest and most environmentally friendly billing member, we heartily recommend her to you. Send the text message "DZZDTX#last 4 digits of card number#email address" to 95580 to change it to an email bill and update your email address.

3. Bill SMS is a must-receive reminder and will be sent on the 10th day of the bill. Send to the reserved mobile phone number. If you have not received the statement within 10 days after the bill date, you can check the bill through online banking, mobile banking, WeChat banking, self-service voice, customer service hotline and other channels to avoid delays in repayment .

Second, if you do not repay in full before the payment due date and do not choose the minimum repayment amount on your credit card, you will face the following penalties.

1. All consumption payments no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.05%, calculated on a monthly basis. Compound interest.

2. Receive a reminder call and letter from the bank.

3. Freezing the account and feeding the debt record to the People's Bank of China for credit file will affect personal credit.