Can the credit card repayment date be changed?

The credit card repayment date can be changed, and it is a free business.

There are three specific methods:

1. Call the service hotline of the credit card account opening bank, select manual service, and change the repayment date according to the voice prompt, which will take effect at that time.

2. Call or send a short message to the representative of the issuing bank to explain the change request for changing the repayment date, and the corresponding representative can handle it.

3. Bring your credit card and ID card to the bank counter to handle it yourself.

it should be noted that although most banks support the service of changing the repayment date of credit cards, customers can't change them at will, and many of them limit the number of changes (some stipulate that they can only be changed once a year, others can only be changed once every six months, and some stipulate that they can only be changed once within the validity period. Please consult the customer service of the issuing bank for details).

Extended information:

1. What are the ways to handle credit cards?

1. Handling credit cards at the bank counter:

(1) Bring the following documents to the bank counter.

you must bring your ID card. Of course, other documents such as social security card, income certificate, real estate license, etc. can be brought with you. The staff will ask you to fill in the credit card application immediately. After carefully filling it out, the staff will ask you to take out the relevant documents and copy them as the basis for approving the issuance of credit cards.

(2) Apply for a credit card on the bank's official website:

At present, many banks have opened online credit card application, log in to the bank's official website, find the credit card homepage, and you will see the credit card application, and then fill in the personal real information as required and submit it to the bank for approval.

if the application is successful, you will call and ask to bring the relevant documents to the business outlets to check your personal information, and you can use it if it is verified.

second, which one is better to apply for a bank credit card?

At present, credit cards are becoming more and more mature. Many banks have similar credit cards, but they all have their own emphases. When handling credit cards, it is very important to proceed from personal actual needs; Sometimes we should also consider the credit card amount, consumption discount, and the number of official activities held by bank credit cards.

Third, the process of credit card cancellation:

1. Pay off all the bill arrears, pay attention to no balance overflow, and confirm whether you have paid off all the debts on your current card before canceling the card;

2. Apply for cancellation to the card issuing bank. At present, all banks only accept the customer service hotline to cancel the card, and follow the voice prompts to complete the relevant operations;

3. Wait for the inspection period and confirm the cancellation of the card. Usually, the inspection period of banks is 45 days. After applying for card cancellation, the credit card will not be cancelled immediately. All banks generally have a "settlement period" of 45 days. Some arrears may not appear on the bill when applying for card cancellation. After this period, it can be confirmed whether the application for cancellation has been successful.

4. Cut off the credit card that has been successfully cancelled. In order to prevent the credit card and personal information from being stolen, remember to cut off the abandoned credit card along the magnetic stripe after the card is successfully cancelled.

if the credit card is lost when applying for card cancellation, in order to ensure privacy and safety, it is best to apply for loss reporting first, and then go through the card cancellation process.

How to change the repayment date of a credit card

To change the repayment date of a credit card, you need to call the customer service hotline of the bank to which the credit card belongs and ask the customer service staff to help you change it. If you change the billing date, the repayment date will naturally change. Some banks can also APPly for modification on the credit app, but the billing date of a credit card can only be changed once every six months or one year. Because the repayment date of a credit card generally depends on the billing date of the credit card, it is basically not the 2th day after the billing date, or the 25th day after the billing date. Therefore, to change the repayment date of the credit card, just change the billing date of the credit card.

Different credit cards have different billing dates, because billing dates are generally randomly assigned by the system. And some bank credit cards can change the billing date, while others cannot be changed. You must make sure of this before you change the bill. As we all know, credit cards are "consumption first, then repayment". After using credit cards for consumption, it is only necessary to repay within the specified time limit, so every credit card will have a repayment date.

many cardholders think that the money on the credit card is their own after they get the card, so they start spending it without restraint. When the billing date arrives, they will feel great pressure when they see that they have to pay off a large amount of credit card debt on the repayment date.

if the cardholder fails to repay in time on the repayment date, the overdue credit card will have an impact on personal credit information. Normally, if there is no money to repay this month, then we can choose to repay by installments or the minimum repayment (especially the minimum repayment is not recommended here, and the interest procedure is a bit high). In addition to these two methods, we can also choose a method that is not charged interest fees by banks, that is, credit card delay repayment.

In fact, delaying the repayment of credit card is to modify the billing statement, so that the interest-free period of your consumption amount this month will be increased by one month, and the amount will be included in next month's bill, which will give your cardholder a one-month buffer period. If you modify the billing statement, you can directly consult the customer service staff of the issuing bank if you are not clear. Of course, the author will also give examples here to let everyone know in detail how to modify the billing statement.

suppose our monthly billing date is the 6th, and the repayment date is the 24th. On May 6th, we spend a sum of 1, yuan, and the bill will be issued on June 6th, so we have to make repayment on June 24th, including a 5-day interest-free period. If we change the billing date to the 4th of each month, then our repayment date will be the 22nd of each month, which will extend the interest-free period for another month.

It can greatly reduce the current repayment pressure of debtors by modifying the bill date, but they will still have to face credit card debt next month, and it is impossible to modify the bill again. Normally, banks only have 1-2 times a year to modify the billing date, and the standards of each bank will be different. Therefore, in order not to be unable to repay, I hope that cardholders should spend rationally!

Can the repayment date of credit card be changed?

Yes. Credit card repayment date is usually set with the number of changes, and different banks have different regulations, especially on the frequency of changes, so don't blindly modify it. You can go to the bank counter to modify the repayment date, or call the bank customer service phone to modify it. After the modification is successful, it will generally take effect from the next period.

each bank has its own requirements on the modification of credit card billing statement. For example, in terms of the number of revisions: CCB and PUFA can be changed once a year; Bank of Communications can only change the credit card once within the validity period. In the choice of billing date, for example, the billing date of China Merchants Bank is 3, 5, 6, 7, 9, 1, 12, 15, 17, 18, 2, 22 and 25, and the corresponding final repayment date is 21, 23, 24, 25, 27, 28, 1, 3 and 25. The optional billing days of CCB credit card are: 2, 5, 7, 1, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27.

: How to set the bank card billing date is the most cost-effective

1. Set the credit card billing date before the date when there is a lot of expenses.

There are many expenses, large and small, which are hard to predict, but some large expenses are planned in advance, such as tuition, vacation, buying a house and a car. You can set the billing date before these large expenses and enjoy a longer interest-free period.

2. set the credit card billing date before the date of regular consumption.

if you are sure that you will have regular consumption on a certain day of a month, you can set the billing date before this day, so that you can enjoy the longest interest-free period. For example, if Xiao Wang needs to pay the rent of 3, yuan by credit card on the 1th of each month, Xiao Wang can set the billing date before the 1th.

3. Set the credit card billing date before birthdays and special holidays.

There will be many preferential activities on birthdays or special holidays. Setting the credit card billing date before will not only enjoy the preferential activities, but also enjoy a longer interest-free period.

4. How to set the billing date for two credit cards

For friends with two credit cards, you can set the billing date for both cards in the early and late days of each month. If the billing date of card 1 is set to the 5th, the billing date of card 2 can be set to the 25th. Spend on the 6th to 24th of each month, and swipe your card 1; From the 26th of each month to the 4th of the next month, you can use Card 2 for spending. So that each card can enjoy a longer interest-free period.

How to modify the repayment date of a credit card

To modify the repayment date of a credit card, you only need to modify the billing statement of the credit card. You can directly call the bank customer service to ask the customer service staff to help you modify it. After changing the bill, the repayment date will naturally change. However, it should be noted that some bank credit cards can change the billing date, while others cannot.

1. credit card billing date

billing date means that the card-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 send a statement for you. This date is the billing statement of your credit card.

second, the credit card repayment date

The credit card repayment date, also known as the credit card due repayment date, refers to the latest date when the credit card issuing bank requires the cardholder to return the payable amount, which means that after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date. In fact, the due repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free, and interest and late fees will be charged if it is overdue. For each bank, the interest-free repayment period is different.

III. Precautions

The due repayment date is also called the final repayment date. If you don't repay in full before the due repayment date and you don't choose the minimum repayment amount by credit card, you may face the following penalties:

1. All consumption funds will no longer enjoy the interest-free repayment treatment, and the bank will calculate interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis;

2. Receiving a call and a letter from the bank;

3. Freeze your account and 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 repayment date, please choose the minimum repayment amount by credit card, and only 1% of the total expenses will be repaid in this way, so as to avoid personal credit damage although there is no interest-free repayment period.

that's enough for the introduction of how to change the repayment date of credit cards.