1. The billing date is fixed, and the final repayment date is 25 days after the billing date (obtained by subtracting the previous date from the later date). If the billing date is the 1st, the final repayment date will be It's the 26th. Like this, the billing day is the 17th, and the final payment date is across months. Depending on the number of days in each month, the final payment date will be different, the 12th or the 11th.

2. Bank of Communications allows cardholders to have one opportunity to modify the billing date according to their own needs.

3. The interest-free period for Bank of Communications credit cards for card consumption is from 25 days to 56 days. The statistics for each bill are the consumption between the 17th of each month and the 16th of the next month. The consumption on the 16th , then the bill will be issued on the 17th, and there will only be a 25-day interest-free period until the final payment date (the 11th or 12th of the next month).

4. If you repay in full before the final repayment date (the same day can also be counted), you can enjoy interest-free treatment.

5. If you fail to repay in full before the final repayment date, you can choose the minimum repayment. The minimum repayment amount is about one-tenth of the full amount owed, which will be stated on each invoice. amount. This is not considered a malicious overdraft and will not affect your personal credit record, but interest will be charged on the full amount from the date of consumption, at a rate of 0.5% per day.

6. If you fail to pay even the minimum payment before the final payment date, the accountant will charge interest and incur late payment fees. In addition, the credit card will be overdue, which will affect the personal credit record and affect the future processing of loans, credit cards and other businesses. Extended information

Interest regulations:

1. For non-cash transactions (cash advance or transfer), Bank of Communications shall pay the interest from the bank accounting date to the due date of repayment. The date is the interest-free repayment period. The interest-free repayment period is as short as 25 days and as long as 56 days.

2. During this period, as long as the amount due for the current period (the total amount owed) on the current statement is paid in full, there is no need to pay any non-cash transactions and the bank advances funds to the store on its behalf. Interest (cash advances do not enjoy interest-free discounts). ?

3. The minimum repayment amount means that if the cardholder has difficulty repaying all the amount payable before the due repayment date (inclusive), the cardholder can repay according to the minimum repayment amount stipulated by the card issuer. , but cannot enjoy the interest-free repayment period, and the minimum repayment amount is 10% of the consumption amount plus other various payables. The minimum payment is listed on the current bill.

Extended data source: Baidu Encyclopedia-Bank of Communications Credit Card