How much is the credit card spent every month and how much will be paid back next month?

you don't have to pay back what you spend this month and next month; It is how much you spend before the bill date every month, and how much you will repay on the next repayment date.

1. Repay in full; That is, how much the bill is this month will be paid before the repayment date.

2. Repayment by installment; It is to apply for bill installment after the bill date. On the next repayment day after installment, credit card repayment will only use the money after installment.

3. Pay the minimum repayment amount; Generally, the minimum repayment amount of a bank is 1% of your consumption amount. That is to say, if you spend 1, yuan this month, you will pay the minimum repayment amount of 1, yuan after the billing date, and the rest will be repaid after the second billing date.

Extended information:

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of issuing credit card is to make money. Once the interest-free repayment time is exceeded, it will charge high interest, usually five ten thousandths of interest per day.

blind consumption; Unlike paying cash, swiping a card doesn't spend money one by one. When swiping it, there is no feeling. A few numbers lead to blind consumption and spending money like water.

excessive consumption; Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you can repay them.

an annual fee is required; Credit cards basically have an annual fee, but basically there is an annual fee-free policy. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.

Reference: Baidu Encyclopedia _ Credit Card

Whether the credit card is swiped this month or next month

It depends on the situation. For example, Agricultural Bank of China, China Construction Bank, Postal Savings Bank, etc., because they are recorded on the same day of consumption, they are credited to this month's bill on the same day of billing. Industrial and Commercial Bank of China, China Merchants Bank, Bank of Communications, etc., are booked on the same day and the next day, so the credit card on the billing date is accounted for in the next month's bill.

billing date plays a very important role in determining the interest-free period. It is necessary to find out whether the billing date is the current month or the next month.

here, we should be clear that the details of the credit card billing date and repayment date are as follows:

1. Credit card billing date: the date when the bank mailed the credit card bill is your credit card billing date. Your credit card issuing bank will regularly summarize and settle the transactions and expenses of your account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and then mail you the bill for the current period. Simply put, the bank tells you the details of your credit card consumption and consumption in the past month.

second, repayment date: the repayment date is the date used to repay the amount listed in the bill. The length of time is generally about 25 days after the bill date, and the specific time of different banks is different.

so, how to use the credit card billing date is the most cost-effective?

under normal circumstances, the credit card can enjoy the longest interest-free period when it is used the day after the bill, while when it is used on the day of the bill, most banks count it into the current bill, and the repayment period is relatively short.

assuming that the billing date is 25th of each month, transactions such as credit card spending and cash withdrawal from 26th of each month to 25th of the following month will be billed on 25th of the following month, forming a billing cycle, and the due repayment date is 2 days after the billing date, that is, 14th or 25th of each month.

In general, the repayment date of credit cards issued by banks in China can be modified. I suggest that you modify it according to your actual situation. For example, if you pay your salary at the beginning of the month, you can set the repayment date of the credit card to the beginning of each month. If you pay your salary in the middle of the month, you can set it to the middle of each month.

the bank wants a credit card to repay the loan next month

the bank credit card repays the loan next month.

using a credit card is the next month's repayment, that is, the current month's consumption needs to be repaid before the next month's repayment date, but it is not certain, and it should be differentiated according to the billing date.

the consumption pattern of credit card is to pay it back this month and next month, so it is paid once a month. However, if the cardholder does not spend in the current month, there is no need to pay it back next month.

This is the end of the introduction about whether the credit card will be repaid next month and whether the credit card will be repaid next month. I wonder if you have found the information you need?