2. The interest-free period of credit cards mentioned by banks is generally the longest interest-free period, but not all consumers can get the longest interest-free period.

3. Interest-free repayment period refers to the interest-free treatment given by the bank to cardholders for non-cash transactions and full repayment. The interest-free period starts from the bank bookkeeping date to the due repayment date.

4. Generally, there are two interest-free period settings. One is that the bank clearly stipulates that one day of each month is the deadline for interest-free repayment, and the interest-free period is the date between the bank's bookkeeping date and the deadline. The other is that the cardholder chooses a billing date according to his own needs and then sets the latest repayment date according to the billing date, so the interest-free period is the date between the bank billing date and the latest repayment date.

Extended data:

Credit card repayment method:

1. Issuer's repayment, including issuer's counter repayment, ATM repayment, online banking repayment, automatic transfer repayment and telephone banking repayment. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

3. Online repayment. Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

4, convenience store repayment, this way is mainly through the convenience store installed "Lacarra" smart payment terminal to complete the repayment, generally takes 2~3 working days to reach the account, at the same time, repayment in this way is free.

5. Counter repayment refers to bank cards issued by various networked financial institutions, and RMB current deposit and withdrawal transactions are conducted through counters of other bank outlets registered in the host system of UnionPay Trading Center.

6. Payment by 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 the financial services provided by China UnionPay's inter-bank information exchange network.

Baidu encyclopedia-credit card