12 installment fee is 0.72%, so the total fee is 343.87 and the total principal is 4323.87.
The repayment amount of each installment is 360.33, and the repayment will start in May. Because the number of days in each month is different, it is right to postpone repayment within 26 days (standard card) or 20 days (other cards) after April 28.
The interest-free repayment period is from the billing date to the final repayment date. The longest interest-free period of CGB credit card is 50 to 56 days, and the shortest is 20 to 26 days. You can enjoy the longest interest-free period for consumption one day after the bill date.
Take the billing statement on the 5th as an example. If you spend on April 5, arrive on May 4, and May 24 is the final repayment date, you can enjoy an interest-free period of up to 50 days.
Extended data:
1, calculated on the repayment date of ICBC's credit card
The billing date of ICBC credit card is the end of each month, that is, 30 or 3 1, and the repayment date is the 25th of the following month. Assuming that you spend 1 in the current month and repay it on the 25th of the next month, you can enjoy a maximum interest-free period of 56 days. ICBC's billing date and repayment date are fixed, which is better than other banks, which are not fixed.
The installment payment of ICBC's credit card is divided into 3 installments, 6 installments, 12 installment, 18 installment and 24 installments, and the amount of each installment is consumption divided by the number of installments. ICBC credit card installment fee, the first payment.
In short, the repayment date of ICBC's credit card is fixed, which is the 25th of the following month.
2, CCB credit card repayment date calculation
The credit card repayment date of CCB is 20 days after the bill date. For example, the 5th of each month is the bookkeeping date, and the due repayment date is the 25th of that month.
The available billing days of CCB Credit Card are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26, 27; The cardholder's bill can be viewed from the monthly bill. The credit card billing date of CCB can be adjusted, but it can only be modified once in a natural year.
For example, if the billing date of each month is 17, if 1 is spent in May 18 and credited on the same day, the repayment date of CCB's credit card is 20 days after the billing date (June 17), that is, July 7, if it is in May18. And then the repayment date of CCB credit card is 20 days after the bill date (June 6), and the interest-free period of this consumption is 20 days (May1July-June 6).
3. Calculation of repayment date of BOC credit card
The credit card repayment date of China Bank is 20 days after the billing date, that is, if the billing date is 7 days, the due repayment date is 27 days of the current month.
The interest-free repayment period is from the bookkeeping date to the due repayment date. The longest interest-free period of BOC credit cards is 50 days and the shortest is 20 days. The interest-free period is different on different credit card consumption dates, and the longest interest-free period can be enjoyed on the day after billing.
For example, on the 7th billing date, such as consumption on May 8th, the billing date is June 7th, and the due repayment date is June 27th, so you can enjoy the 50-day interest-free repayment period (May 8th to June 27th); If you consume on May 7th, the day is billing date, the due repayment date is May 27th, and the interest-free repayment period is only 20 days (May 7th to May 27th).
The credit cards of China Bank (bank center, credit card center and credit card application) have 28 billing days, and these 28 billing days are 1-28 respectively.
The billing date is randomly determined by the credit card holder of China Bank when applying for a credit card. In general, customers cannot adjust the billing date.
In short, the repayment date of BOC credit card is 20 days after the bill date.
4. Calculation of repayment date of credit card of Agricultural Bank of China
The final repayment date of ABC's credit card is the 25th day after the bill date.
The interest-free repayment period starts from the bank bookkeeping date to the due repayment date. The longest repayment date of ABC credit card is 56 days and the shortest is 25 days. Consumption on the day after the bill date enjoys the longest interest-free period.
It is worth noting that at present, ABC's credit card has four billing days each month, such as 10, 20, 17 and 27. According to different cards, their billing dates are different and cannot be modified.
5, Bank of Communications credit card repayment date calculation
The repayment date of Bank of Communications credit card is 25 days after the bill date. For example, the billing date is 10 day per month, and the due repayment date is the 5th of next month. The monthly billing date of the Bank of Communications credit card is generated by the system, and the user has only one chance to modify it within the validity period.
For example, your billing date is 10 every month, and the 25th day after the billing date is the due repayment date. If you spend on May 10, the repayment date of the bill of the day and the credit card of Bank of Communications is May 25th, and the interest-free period is only 25 days (May10-May 25th). If you spend money in July 1 1, the bill will be paid in August 10, and the repayment date of your bank of communications credit card is September 5, with an interest-free period of 56 days (July11-September 5).
6. Calculation of Credit Card Repayment Date of CITIC Bank
The final repayment date of CITIC Bank's credit card is 19 days after the billing date (excluding the billing date). For example, the accounting date of each month is 1, and the final repayment date of the statement of May 1 is May 20th; The billing date is/kloc-June 0/5, and the final repayment date of the statement in June 0/5 is July 3. (The last repayment date of each month is different)
The interest-free repayment period is from the bank bookkeeping date to the final repayment date. The longest interest-free period of CITIC Bank credit card is 50 days, and the shortest is 20 days. You can enjoy different interest-free periods on different credit card consumption days, and you can enjoy the longest interest-free period on the day after billing.
For example, your billing date is 1 day per month. For consumption on August 2nd, it can be settled on the bill of September 1, and paid in full on September 20th, the last repayment date. You can enjoy the longest interest-free period of 50 days (August 2nd to September 20th). If you spend on August 1 day, which is the bookkeeping date and the last repayment date is August 20th, you can only enjoy the interest-free period of 20 days.
The monthly billing date of CITIC Bank's credit card is generated by the system, which is fixed for each cardholder and cannot be changed.
References:
Sohu. Com- calculate the repayment date of all bank credit cards, and there is no overdue.