1. If you spend before the monthly bill, you can pay it off before the sunrise bill and the first repayment date after the bill, and you can enjoy interest-free treatment;
2. If the consumption after the monthly bill date is paid off before the first repayment date after the next month's bill date, you can enjoy interest-free treatment.
There is no interest-free period for credit card withdrawal. From the date of cash withdrawal, the interest of 0.5 ‰ of the cash withdrawal amount will be deducted every day until it is paid off. It is not recommended to withdraw cash by credit card.
4. The repayment date of the credit card is the final repayment date. You can repay any day before, and you can repay many times. But even if it is overdue after the repayment date, it may affect personal credit, so it is necessary to repay it in time.
Extended data:
First, the repayment method
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Convenience store repayment
This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.
6. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Xinfutong Repayment
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
8. Repayment Pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
Second, other ways.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
Baidu encyclopedia-credit card