Calculation of repayment date of bank of communications credit card;

1, remember your bookkeeping date first, every month is fixed. There is a piece of paper stuck on it in the card letter, with bills, quotas, etc.

Ok, call customer service if you can't find it)

2. Subject to the billing date, the final repayment date of the Bank of Communications credit card is 25 days after the billing date.

Suppose your bookkeeping date is 15 every month and your repayment date is 9 or 10 (month-to-month relationship). Take 1 1 month as an example:

1 15 Transactions on the day of October billing date are included in the current bill, and the repayment date is 12 10. The repayment period is only 25 days, the shortest;

The transaction of 165438+ 10/6 is included in the next bill, which is listed on the bill of 65438+February 15, and the repayment date is 65438+ 10.9. There is a repayment period of 56 days, which is the longest.

The interest-free period of Bank of Communications credit card is 25 days at the shortest and 56 days at the longest. If you want to enjoy the longest interest-free period, you can spend it on the 8th and 8th.

The amount spent on that day is included in the next billing date. For example: 1.8, you swipe 2000, which is included in the bill on February 8, and then

Put it off for 25 days and pay off this 2000 before March 3.

Extended data

Bookkeeping date: It means that the issuing bank regularly summarizes and settles all transactions and expenses in your credit card account every month.

And calculate the interest, calculate the total amount of your current arrears and the minimum repayment amount, and send you a statement. This date is your credit card account.

One day.

Repayment date: refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. In other words, the issuing bank issued the bill.

After that, you should pay off all the expenses you have consumed before the due repayment date.

Example of bill:

Card friends' credit card bill date is 1, and the due repayment date is 20th. Card friends spent money by swiping their cards on1October 5th, 2nd and 30th, 165438+, and were

At that time, the bank will summarize and settle your expenses on the day of 65438+February 1, and pass it at the same time.

Liquidated damages for overdue repayment (failure to repay in full before the due repayment date, failure to select the minimum repayment amount of credit card):

1. All consumption funds are no longer entitled to interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption.

Interest, five ten thousandths of a day, compounded monthly;

2. Receive phone calls and letters from banks;

3. Freeze your account, feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;

If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card and use this method.

As long as the total cost of each repayment is 10%, although there is no interest-free repayment period, this repayment can avoid personal credit damage.

References:

Bill date? Due repayment date