1. The credit card billing date means that the issuing bank will regularly summarize and settle all transactions and expenses in your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and mail the statement for you. This date is the billing date of your credit card. Simply speaking, the bank tells you how much you should pay back this bill, the minimum repayment amount, the consumption details, etc.

2. repayment date: for non-cash transactions with credit cards, the date from the bank bookkeeping date to the due repayment date is the interest-free repayment period. The interest-free repayment period varies according to the regulations of each bank. The shortest period is from the billing date to the final repayment date, and the longest period is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 2 days, the shortest is 2 days and the longest is 5 days. It is when the bank stipulates when the current bill of credit card should be repaid. Extended information

Common credit card repayment methods in China mainly include the following categories (according to the level of fees):

1. Intra-bank repayment

The repayment methods mainly include: counter of issuing bank, ATM, online banking, automatic transfer and telephone banking repayment. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Mobile phone repayment

A mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

3. Repayment of convenience stores

Repayment of convenience stores is mainly completed through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

4. Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

6. Counter access

Counter access refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

7. Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

8 xinfutong

"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by China unionpay's inter-bank information exchange network.

9. Repayment Pass

Repayment is made through the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

1. Other methods

In addition to these repayment methods, the issuing bank has also opened their own repayment methods to facilitate the cardholder's repayment.

Reference: Baidu Encyclopedia-Credit Card Repayment

Baidu Encyclopedia-Billing Date

Baidu Encyclopedia-Repayment Date.