Whether the consumption amount on the billing date is the current period or the next period is actually determined according to the cardholder's credit card. For example, the banks that include daily consumption in this bill include CITIC Bank, Agricultural Bank and Shanghai Pudong Development Bank. The next bill includes ICBC, China Bank, Bank of Communications, Guangfa Bank, China Merchants Bank and Ping An Bank.
In addition to these banks, the online shopping consumption of CCB credit cards is included in the next bill, and the non-online shopping consumption before 17: 00 is included in the current bill, and the non-online shopping consumption after 17:00 is included in the next bill. The credit card consumption of Industrial Bank is included in the current bill before 20:00 on the bookkeeping date, and the consumption after 20:00 is included in the next bill. The credit card consumption of Minsheng Bank shall be included in the current bill before 22:00 on the accounting date and in the next bill after 22:00.
1. When does the overdue credit card count?
Overdue repayment of credit card refers to the situation that the final repayment period stipulated by the bank is exceeded, the current arrears are not paid off in full and on time, and the repayment amount is lower than the minimum repayment amount.
However, the overdue credit card is not necessarily counted from the last repayment date. After all, many banks may provide time tolerance services. According to the China Banking Advisory Card Industry Self-discipline Convention, repayment within the grace period and the repayment difference is within 10 yuan is not considered overdue.
For example, a bank's credit card has a grace period of three days, and the cardholder's final repayment date is three days. Then if the minimum repayment amount is enough within six days, it is normal repayment, and the bank will not count everyone as overdue.
Second, how to check the overdue credit card?
1. Bank channel query:
Generally, after overdue, you will receive overdue SMS from the bank, or log in to the bank's online banking, and you can see that the credit card status is overdue.
2. Credit report query:
To check whether the credit card is overdue, you can check the credit report, which shows how many credit cards I have, the use situation and other loans. Query methods can be divided into online and offline.
Online, you can log on to the website of the Central Bank Credit Information Center, register and submit an inquiry application. In this way, you can query the short version of credit information; Offline, you can bring valid ID information to the local central bank credit information centers for on-site inquiry, and you can also print out detailed credit information reports to let you fully understand your credit information.
Finally, I would like to remind you that according to the current regulations, it is free for individuals to inquire about their personal credit reports twice a year, and a service fee will be charged for the third time and above, 25 yuan.