The period between the ICBC credit card statement date and the repayment date is 23 days. The repayment date is on the 10th and the billing date is on the 17th (calculated as a 30-day month). If consumption is made on the 18th, it will be recorded in the bill on the 17th of the following month. The final repayment date is the 10th of the following month, and the longest interest-free period is 53 days. To give you an example: For consumption from March 17th to April 16th, the bill will be issued on April 17th, and the payment needs to be made before May 10th (inclusive), and so on.

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Credit card repayment method:

Credit cards have a fixed monthly repayment date, and cardholders must pay them back by the monthly repayment date at the latest. Pay off this day. There are many ways to repay a credit card: 1. Bind a savings card and the payment will be automatically deducted upon maturity; 2. Use the bank’s APP to make self-service repayments; 3. Use UnionPay or third-party platform repayment channels to operate repayments; 4. Credit card repayments can also be made at bank branches, self-service equipment, customer service hotlines, etc.

Credit cards can be repaid through online transfers and remittances. They can be repaid in the form of payment through Alipay and other merchants. You can make deposits at the counter or self-service equipment (i.e. ATMs) for repayment. You can also swipe money at Lakala. Bank cards repay credit cards.

You can also inquire in detail about the specific repayment channels of your credit card bank. There is a credit card service hotline on the face of the credit card.

If it is a China Merchants Bank credit card, you can enjoy the interest-free period when you repay it in full.

1. The interest-free period means that the cardholder repays the entire amount due before the due repayment date (inclusive). Consumer transactions that can enjoy interest-free treatment are from the bank accounting date to the due repayment date. The time period between payment dates (the interest-free repayment period ranges from 20 to 50 days). 2. If you repay the full amount on time before the last payment date, you can enjoy the interest-free period and no fees will be charged for swiping your card. 3. The minimum repayment amount refers to the minimum amount that needs to be repaid every month. It is shown on the monthly bill and no application is required. Repaying the minimum repayment amount on time will not affect your personal credit, but you will not be able to enjoy the interest-free period. All consumption in the current period will accrue interest from the recording date, with a daily interest rate of 0.5%.

Refuse to use the minimum repayment amount: If you choose the minimum repayment amount, additional interest will be charged on the unpaid portion. Sometimes it may increase the burden on the borrower.

Choose the installment business carefully: Installment payment relieves the pressure of repayment, which sounds great, but the price of slightly lessening your pressure is more handling fees. If installment payment is necessary, everyone must remember to understand the cost first.

Grasp the best time to swipe your card: Credit cards have a billing date. If you swipe your card on the first day after the billing date, you can enjoy at least a 50-day interest-free period. If you swipe your card on the billing day, you can only enjoy a 25-day interest-free period. By knowing the best time to swipe your card, you can have a longer interest-free period.

No annual fee if you swipe the card enough times: Generally speaking, credit cards charge annual fees, but many banks now have regulations that waive the annual fee for the following year after the card is swiped a specified number of times in a year.

Modify the credit card statement date: Modify the credit card statement date to extend the interest-free period by one month. Some bank credit cards have a billing date modification service. Cardholders can use this function to modify the credit card billing date and extend the interest-free period by one month.

Use multiple credit cards for consumption: The main way to use credit cards is to use credit cards for consumption. You can enjoy a certain period of interest-free period for swiping credit cards, and sometimes there are some discounts. In addition, the annual fee exemption for credit cards and the accumulation of points are related to the number of credit card swipes, so you should use your credit card frequently to make purchases.