The billing date of a credit card is not the repayment date. The billing date is the date when the bill is issued, and the repayment date is the repayment date. After the credit card bill is issued, the user can make repayments. Even before a bill is issued, users can repay in advance, and early repayment will not affect personal credit. Therefore, after the credit card statement is issued, the user can check whether the consumption amount is accurate and make sure it is correct before proceeding with the repayment operation.

1. The credit card itself has many benefits:

1. It saves you the trouble of carrying cash.

Credit card consumption avoids the trouble of paying cash for consumption in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can consume first and then repay, which is helpful when users have insufficient funds.

2. You can participate in various discount activities.

Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when they use the credit card of the corresponding bank to spend at merchants. Customers can save money and earn points. Why not? This This is also the reason why many young people now like to use credit cards when going out to spend money.

3. Consumption deduction points.

When users use credit cards to make purchases, they can often earn points. Each bank has different points conversion standards. Please ask the corresponding bank for details. When a user's points reach a certain level, they can redeem gifts, including things and virtual items, in the points mall on the Credit Card Center website.

2. Unreasonable credit cards may also cause the following problems:

1. Irrational consumption.

Precisely because credit cards are very convenient and fast to use, they are not like banknotes that look painful to spend one after another. Some irrational consumers tend to consume blindly, spend money like water, and regret it when they finally repay.

2. The interest rate is high.

Everyone knows that every bank's credit card has a repayment date. If the user fails to pay off the current balance before the final repayment date, he or she will need to pay the bank interest and late payment fees.

3. Personal information is leaked

In a technological society with advanced information, people’s privacy has become more passive. If it is taken advantage of by someone with intentions, it will cause great harm. trouble. Therefore, if you find that your privacy has been leaked when using your credit card, you must deal with it in time. If your card is stolen, contact customer service and ask them to teach you how to operate it, or call the police and ask relevant personnel to help you investigate and recover your property losses. You must pay attention to this issue, after all, it is related to your own privacy and security.