How to change the credit card repayment date
There are three ways to change the credit card repayment date:
1. Bring your credit card and ID card Go to the bank counter to handle it yourself;
2. Call the bank’s customer service hotline and choose manual service;
3. Send a text message to the bank to handle it
Recommended Choose to call the customer service hotline or send a text message to the bank to apply for a credit card repayment date change, because this can save you the time of driving to the bank and queuing to get a number at the bank, which is more convenient and fast. Just provide customer service with your ID number and ID number. Generally, the newly applied repayment date will take effect in the next loan period after application.
Extended information:
1. Different banks have restrictions on the number of changes, which means you can’t change it as many times as you want, such as industrial and commercial banks. Banks such as Bank of China, China Construction Bank, and Shanghai Pudong Development Bank only allow changes once a year, while banks such as China Merchants Bank and China CITIC Bank allow changes once every half a year. Banks such as Bank of Communications only allow changes once every six months during the valid period of use of the credit card. .
2. Banks generally adopt the rules of selecting the repayment date for repayment date change applications, which means that the bank will only specify certain days of the month as the credit card repayment date, not every day, so you You can't just decide on any day, but you have to choose according to the date provided by the bank. Moreover, different banks have different credit card repayment dates. You can consult the relevant bank for these.
3. In order to obtain a longer interest-free period, you can apply one day before the original credit card repayment date, and set the day before the application date as the repayment date for the new loan period. This can maximize benefits and is the best choice for many large borrowers.
In short, it is now very easy and convenient to apply for a credit card repayment date change. You only need to understand the policies and regulations of the relevant bank in advance, and then apply directly.
Reference: Baidu Encyclopedia - Credit Card Repayment
How to change the credit card repayment date
The repayment date of a credit card is not absolutely fixed, it is based on the bill The date is determined. The billing date of a credit card is fixed every month, and each bank has different regulations on how many days after the billing date is the final repayment date. Therefore, if you want to change the final payment date, you can only change the credit card statement date.
Set a statement date that suits you: First determine the date you want to last repay, and then determine you want to change your statement date based on the bank's shortest number of interest-free days. For example: China Merchants Bank’s shortest interest-free days is 18 days, and wages are paid on the 15th of each month. I want to change the final repayment date to around the 19th, because sometimes repayment may require a few days of buffering time. Then your bill The date must be pushed forward 18 days, then you need to change the billing date to the 1st of each month.
Change of repayment date: Call the manual service hotline of the credit card to modify it manually. However, the billing date of some credit cards cannot be changed, and it can also be checked manually.
What we can immediately notice when a credit card is overdue is the impact on your credit report and a series of consequences it will bring. But in fact, being overdue is not as scary as we think, and overdue credit reports are not as fast as we think.
Of course, this is not to encourage everyone to be overdue, but to tell everyone how to deal with overdue and how to solve overdue situations. If you do it right, you can even avoid the trouble of having to file a credit report.
1. Time tolerance
Generally, banks provide credit card repayment time and tolerance services: cardholders owe less than 3 days, and the amount owed is less than 10 Yuan should be regarded as repayment on time. The bank needs to remind you 3 days before the due date of credit card repayment. That is to say, if you call the customer service center of the card issuer in time to apply for timely service and repay the loan in full within 3 days after the repayment date, your credit will not be reported.
It should be noted that this convention is not mandatory. It only advocates that banks provide time tolerance services to credit card holders, and there is no mandatory requirement. Therefore, each bank has different standards in the implementation of time tolerance.
For example, if love, the most important element in the universe, exists, there will be no grace period.
Each bank has different policies, please refer to the following:
1. Industrial Bank: The tolerance amount only imposes penalty interest on the unpaid portion, and there is no time limit.
2. Bank of China: The tolerance amount is 1% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.
3. China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days. You need to take the initiative to apply by phone.
4. Agricultural Bank of China: The tolerance amount is 100 yuan for regular cards, 200 yuan for gold and platinum cards, and the tolerance period is 2 natural days.
5. Bank of Communications: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 natural days.
6. China Merchants Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 natural days.
7. China Guangfa Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 natural days.
8. Industrial Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 calendar days.
9. CITIC Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 natural days. You need to actively call customer service to apply.
10. Minsheng Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 calendar days.
11. Everbright Bank: The tolerance amount is up to 100 RMB or 20 US dollars, and the tolerance period is 3 natural days. You need to call to apply.
12. Shanghai Pudong Development Bank: The tolerance amount is 10 yuan or 2 US dollars, and the tolerance period is before 22:00 three natural days after the repayment date.
13. Ping An Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 calendar days.
14. Hua Xia Bank: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 natural days.
15. HSBC: The tolerance amount is RMB 10 or equivalent, and the tolerance period is 3 calendar days.
2. Time for credit reporting
When a credit card is overdue, each bank has a different time to report to the central bank for credit reporting. The specific regulations are as follows:
1. Overdue repayment Immediate credit investigation on the day of payment
Industrial and Commercial Bank of China.
2. Apply for credit only after the grace period
Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, CITIC Bank, China Minsheng Bank, China Everbright Bank.
3. The credit report will be submitted on the next billing day
Bank of China, Shanghai Pudong Development Bank, China Guangfa Bank, Hua Xia Bank, and Ping An Bank.
3. Remedial measures
Since the credit reporting time of each bank is different, if you accidentally overdue the credit report, you can remedy it as soon as possible.
1. Repay in full immediately
In order to ensure the arrival time, it is best to use a debit card from the same bank, and try not to make repayments across banks or third parties such as Alipay.
2. Contact customer service to communicate
Explain that the default is not subjective and malicious, but has not been repaid due to XX objective reasons, and has just been repaid.
4. Common reasons
1. Bank problems
Inter-bank system settlement problems, bank transfer transaction system problems, the bank did not send bills or text messages, network, Problems with telecom operators resulted in bills not being received, automatic repayments not being deducted when signing up, etc.
Even though I didn't see the bank statement text message, I still said it was because of the operator's network problem that I didn't receive the text message. You know.
2. Force majeure
For example, being temporarily dispatched by the company on a business trip or traveling overseas, for example, the local telecommunications cable may be cut, or a typhoon may damage the network equipment.
3. Move people with emotion
For example, if you accidentally fall, lose your cell phone, get bitten by a dog, etc. All in all, the central idea is that understanding is based on emotion and reason. There are objective reasons for overdue payment, not my subjective default. Pay attention to your attitude and you must have a good attitude.
4. Lure it for profit
Discuss with customer service. If they do not give you a credit report or withdraw the overdue payment, then they are willing to pay protection fees in installments, etc.
Even if you have to pay penalty interest, compared to penalty interest, bad credit record is more worthy of our attention.
5. Apply for objection
If none of the above methods can save you, and you have other legitimate reasons or evidence, you can apply for objection to the Credit Reference Center, and the central bank will determine whether you are genuine. If it is overdue, should it be recorded?
6. Coverage
If the credit report is overdue and the objection application fails, it will take 5 years to eliminate it. During this period, remember not to cancel the card. If you cancel the card, the bad record will remain for a long time.
After paying off the debt, you should keep using the card for 2 years, maintain good card usage habits, and use new records to offset the original bad records (generally, when applying for loans, credit cards, etc., only the records of the past two years will be looked at).
7. Beware of being deceived
You often see advertisements for "credit laundering", so don't waste your money.
8. Take precautions before they happen
At any time, it is easier to take precautions than to deal with things after they happen, so the best way is not to overdue it.
Can the credit card repayment date be changed?
The credit card repayment date can be changed, and it is free of charge.
There are three specific methods:
1. Call the service hotline of the credit card bank, select manual service, and follow the voice prompts to change the repayment date, which will take effect at the time of processing.
2. Call or send a text message to the salesperson of the card-issuing bank and explain your request to change the repayment date, and the corresponding salesperson 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 credit card repayment date, customers cannot make changes at will. Many of them limit the number of modifications (some stipulate that they can only be changed once a year, and some Some allow it to be changed once every six months, while others stipulate that it can only be changed once within the validity period. It is recommended that you consult the customer service of the card-issuing bank for details).
Extended information:
1. What are the ways to apply for a credit card?
1. Apply for a credit card at the bank counter:
(1) Bring the following documents to the bank counter to apply.
You must bring your ID card. Of course, you can bring other documents such as social security card, income certificate, real estate certificate, etc. if you can. The staff will immediately ask you to fill in the application form for a credit card. After filling it in carefully, the staff will ask you to take out the relevant documents and make copies as a basis for the review and issuance of the credit card.
(2) Apply for a credit card on the bank's official website:
Currently, many banks have opened online credit card applications. Log in to the bank's official website, find the credit card homepage, and you will see how to apply for a credit card. Then fill in your true personal information as required and submit it to the bank for approval.
If the application is successful, you will receive a call and ask to bring relevant documents to the business outlet to check the personal information. If the verification is correct, you can use it.
2. Which bank is the best for credit cards?
Currently, credit cards are becoming more and more mature. Many banks’ credit cards are similar, but each has its own focus. When applying for a credit card, it is very important to base your application on your actual personal needs; sometimes you also have to consider the credit card limit, consumption discounts, and the number of official activities held by the bank's credit card, etc.
3. Credit card cancellation process:
1. Pay off all bill arrears, making sure there is no balance overflow. Before canceling the card, confirm whether you have paid off all the arrears on the current card.
2. Submit a cancellation application to the card issuing bank. Currently, all banks only accept customer service hotline calls to cancel cards, and follow the voice prompts to complete the relevant operations;
3. Wait for the inspection period. Confirm card cancellation.
Usually the bank inspection period is 45 days. After applying for card cancellation, the credit card will not be canceled successfully immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. After that, After this period, you can confirm whether the cancellation application has been successful.
4. Cut off the credit card that has been successfully canceled. In order to prevent the credit card and personal information from being stolen, remember to cut the abandoned credit card along the magnetic strip after the card is successfully canceled.
If the credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for loss report first and then proceed with the card cancellation process.
Can the repayment date of a credit card be adjusted?
Currently, many bank credit card centers can provide services to change the credit card statement date (or repayment date) for free. You can go to the bank counter to handle it, or you can call the customer service number without leaving home. Or send a text message to the bank to handle it. After the modification is successful, it will generally take effect from the next issue.
Credit cards are generally divided into two types - credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder consumes money within the credit limit and then repays it; however, a quasi-credit card is different. The cardholder needs to provide a certain amount of reserve fund. When the reserve account balance is insufficient, payment can be made at A quasi-credit card with an overdraft within a specified credit limit. The so-called credit card generally refers to a credit card only.
Having a credit card means that when you make a purchase, you don’t have to pay cash on the spot, and you can wait until the bill day arrives before repaying it.
What is the difference between a credit card and a bank card? Bank cards can be divided into debit cards (savings cards) and credit cards (credit cards).
A debit card is a bank card issued to the public by the card-issuing bank for depositing money first and then spending (or withdrawing cash) without overdraft function. According to different functions, it can be divided into transfer cards (including savings cards), special cards and stored-value cards. It is a credit tool with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption, etc. It also has the additional functions of transferring money and buying funds. , stock trading and many other financial management functions, and also provides a large number of value-added services.
The difference is that overdrafts can be made with credit cards, but not with debit cards; but on the other hand, credit cards generally charge annual fees, while debit cards do not; improper use of credit cards will cause The impact on our credit file will have an impact on us buying a house or a car in the future. Since debit cards do not involve overdrafts, they will not have an impact on our credit. Finally, credit card issuers and merchants often join forces to hold various Activities, such as restaurant coupons, gas coupons, etc., which debit cards simply don’t have!
What are credit cards used for? Credit cards are usually issued by commercial banks to individuals and organizations. When you make purchases, you can use your credit card as a payment tool and make direct purchases through the card-swiping POS machine or online payment platform installed by the merchant.
A credit card means you can spend money in advance, that is to say, when your shopping needs exceed your ability to pay, you can borrow money from the bank. A credit card means that the bank agrees to lend you money based on your integrity. With the voucher, your credit card will prompt you how much you can borrow from the bank and when you will pay it back. After overdraft consumption, you must repay. Repayment includes signing an automatic repayment agreement, online banking repayment, mobile banking repayment, ATM machine repayment, etc. If you repay the entire amount payable before the repayment due date (inclusive), you do not need to pay interest. If you cannot repay the minimum repayment amount before the repayment due date (inclusive), overdraft interest will be charged based on the interest calculation method of 0.5%. , pay a late fee based on 5% of the unpaid portion of the minimum repayment amount.
This is the end of the introduction about adjusting credit card repayment dates and how to adjust credit card repayment dates. Have you found the information you need?