The calculation method of credit card repayment date varies from bank to bank and is mainly divided into two modes. The first is to set a fixed date every month as the interest-free deadline. Counting from the consumption date, and repaying within the period until this deadline, you can usually enjoy interest-free treatment. For example, the credit card statement date of ICBC is fixed at the end of the month, such as the 30th or 31st, and the repayment date is the 25th of the following month. Repayments within 56 days after consumption can enjoy the longest interest-free period.

The second mode allows cardholders to set a repayment date by themselves, and then determine the latest repayment date based on the monthly bill date. For example, the repayment date of China Construction Bank and Bank of China is 20 days after the bill date. If the bill date is the 5th of each month, the repayment date will be the 25th or 27th. The repayment date of Agricultural Bank of China is 25 days after the statement date.

For repayment operations, many banks provide mobile banking apps, such as China Merchants Bank’s Mobile Life or Bank of Communications’ Pay Bar. These apps support linked debit cards for repayment, and are usually free of charge. Using these tools, you can complete repayment through instant transfer no matter where you are, as long as you have your mobile phone in hand, which is very convenient. It is recommended to choose a suitable repayment method based on your own bank arrangements and usage habits to ensure timely repayment and avoid unnecessary interest charges.