It doesn't have to be like this.
At present, ICBC's credit card billing date and repayment date have the following options. Cardholders can choose billing date and repayment date according to their personal convenience.
Bookkeeping date: 1, repayment date: 25th; Bookkeeping date: 8th, repayment date: 65438+ 0th of the following month; Bookkeeping date: 9th, repayment date: 2nd of the following month; Bookkeeping date: 10, repayment date: 3rd of the following month; Bookkeeping date: 1 1, repayment date: 4th of the following month; Bookkeeping date: 12, repayment date: 5th of the following month; Bookkeeping date: 13, repayment date: 6th of the following month; Bookkeeping date: 14, repayment date: 7th of the following month; Bookkeeping date: 15, repayment date: 8th of the following month; Bookkeeping date: 16, repayment date: 9th of the following month; Bookkeeping date: 17, repayment date of the next month:10; Bookkeeping date: 18, repayment date: next month11; Bookkeeping date: 19, repayment date of the next month:12; Bookkeeping date: 20th, repayment date: next month13; Bookkeeping date: 2 1, repayment date of the next month:14; Bookkeeping date: 22nd, repayment date: next month15; Bookkeeping date: 23rd, repayment date: next month16; Bookkeeping date: 24th, repayment date: next month17; Bookkeeping date: 25th, repayment date: next month18; Bookkeeping date: 26th, repayment date: next month 19.
The billing date and repayment date of ICBC credit card can only be modified once within the validity period of the card. Cardholders can directly call the bank's customer service phone to apply, or they can bring their valid certificates and cards to the counter of ICBC outlets.
The credit card billing date of ICBC can be simply understood as the billing date. This day will summarize all the overdrafts of the cardholder in the last consumption cycle, so that you can know how much you have spent and how much you need to pay back. ICBC's different credit card bills are different.
The repayment date of ICBC's credit card refers to all the consumption quotas summarized on the day when the cardholder returns the bill. Generally, the repayment date is about 20 days after the billing date comes out. The repayment date is fixed and will not change because of one more day or one less day in the current month, but the billing date and repayment date can be changed.
When the billing date and repayment date are changed, the repayment date is generally changed to 2 to 3 days after the salary is paid, so that the cardholder will have enough money to return the credit card bill on the repayment date. If repayment is difficult, the cardholder can use installment repayment or minimum repayment amount.
It should be noted that there is no grace period for ICBC credit card repayment. When you usually repay, you must remember to repay on time. Once the repayment date is exceeded, it is considered overdue. Overdue records will be uploaded to the credit information center, which will have an impact on personal credit information.
How to calculate the repayment date of ICBC credit card?
The repayment date of ICBC's credit card is fixed, and each billing date has a corresponding repayment date, including:
The credit card billing date of ICBC is 1 day per month, so the credit card repayment date is the 25th of that month;
ICBC's credit card billing date is 8th of each month, so the credit card repayment date is 65438+ 0th of next month;
ICBC's credit card billing date is the 9th of each month, so the credit card repayment date is the 2nd of next month;
The credit card billing date of ICBC is 10 day per month, so the credit card repayment date is the 3rd of next month;
By analogy, if you want to inquire about the complete repayment date of ICBC's credit card, you can download "ICBC e-Student" and then find the repayment date on the "Finance" page for inquiry.
The consequences of overdue credit cards are as follows:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Peony credit card expires on the 25th of each month.
According to the Peony Card Receiving Contract:
Peony credit card terms of use
(1) Except for cash withdrawal and transfer overdraft transactions, other overdraft transactions of Party A and its sub-card applicants are interest-free repayment periods from the bank bookkeeping date to the due repayment date notified in the statement (hereinafter referred to as the due repayment date).
The due repayment date is the 25th day from the statement generation date, and the statement generation date is subject to the date recorded on the statement. If Party A repays all the payables before the end of business on the due repayment date, it is not required to pay overdraft interest except for cash withdrawal and transfer overdraft transactions.
If Party A and its sub-card applicants use the credit line to withdraw cash or transfer money, they will not enjoy the interest-free repayment period, and pay overdraft interest at the rate of 0.5 ‰ per day for some funds used from the bookkeeping date to the repayment date.
(2) If repayment is made according to the minimum repayment amount, Party B will only charge overdraft interest for the unpaid part from the bank bookkeeping date to the repayment date. If the minimum repayment amount is not repaid before the end of business on the due repayment date,
In addition to paying overdraft interest according to the above-mentioned interest calculation method, a late fee of 5% of the unpaid part of the minimum repayment amount shall also be paid. If Party B fails to fully repay the minimum repayment amount before the business ends on the due repayment date for two or more consecutive times, Party B has the right to stop using the card.
(3) If Party A overuses the credit line approved by Party B, all payables in the account will not enjoy the interest-free repayment period; If the excess part is not repaid before the end of business on the due repayment date, an overrun fee of 5% shall be paid for the excess part.
If the credit limit is exceeded due to interest, expenses, etc. Or Party A fails to repay the arrears before the expiration of the period for temporarily increasing the credit line specified by Party B, and the credit line is exceeded.
(4) Deposit interest of Peony Credit Card account.
When is the repayment date of ICBC credit card?
ICBC's credit card billing date is usually the end of the month, which is the last day of the natural month.
For example, the accounting date in March is March 31; The bookkeeping date in April is April 30th.
The due repayment date of ICBC's credit card is the 25th day after the bill date, that is, the 25th of next month.
The interest-free repayment period is from the bookkeeping date to the due repayment date. The longest repayment period of ICBC credit card overdraft is 56 days, and the shortest is 26 days. You can enjoy the longest interest-free period by swiping your card every month 1.
When are the billing date and repayment date of ICBC credit card respectively?
The repayment date of ICBC credit card is the 25th day after the bill date. The bookkeeping date is fixed as the last day of each month, and the repayment date is the 25th day after the bookkeeping date, that is, the 25th day of each month.
That is to say: September 1-September 30th is a billing cycle, and the credit card consumption in this cycle will generate a bill on June1day, and June 65438+1October 25th is the final repayment date. 10,1-13 1 is a billing period, and the credit card consumption in this period will generate a bill at 1 1, and1is the final repayment date. Therefore, if you swipe your card on the day of the bill, the interest-free period is the shortest, only 25 days (swipe your card on September 30th,1repayment on October 25th 10), and swipe your card after the bill, the interest-free period is the longest, only 56 days (swipe your card on June 30th,1repayment on October 25th).
Partners who often use credit cards should know that credit cards have two important dates, one is the billing date and the other is the repayment date. Cardholders must keep these two days in mind, and rational use of these two dates can bring great convenience to cardholders. Let's talk about how to set these two dates today.
I. Bookkeeping Date and Repayment Date
Billing date: It means that the issuing bank collects and settles all the transactions and expenses of your credit card account in the current period on a regular basis every month, calculates the total amount owed and the minimum repayment amount in the current period, and sends a statement for you. This date is your credit card bill.
Repayment date: refers to the latest date when the issuing bank (or institution) requires the cardholder to repay the payable amount, also known as the final repayment date. For credit card non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date.
The interest-free period of each bank is different, but it is basically the same. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.
Before the repayment date, the cardholder will pay off the bill amount, and there will be no overdue problem. If it is cash withdrawal, the cash withdrawal part does not enjoy interest-free discount.
After the bill comes out, if the cardholder fails to repay on the final repayment date, all the consumption funds will no longer enjoy the interest-free repayment treatment, and the bank will calculate the interest on a daily basis with the full amount of consumption as the principal from the date of consumption, with a daily interest rate of five ten thousandths and monthly compound interest.
If the repayment date is really due to financial problems, you can choose the minimum repayment amount or installment repayment. Although there is no interest-free period, it will not affect the credit information.
Second, why do you want to modify the bill?
1. If there are too many cards, in order to win more interest-free dates for banks, it is even more necessary to manage the cards reasonably. If the billing date and repayment date are not well planned, it is quite unfavorable to the flow of funds to set them on the same day or similar dates. In addition, if the repayment date is too concentrated, the repayment pressure will be considerable.
2. If there is no money to repay temporarily, you can extend the repayment date by modifying the bill date. Many card friends have this situation. The billing date and repayment date of the credit card stipulated by the bank are not so satisfactory. For example, it is indeed a very sad thing to repay the loan first and then pay the salary.
But in fact, the billing date and repayment date of credit cards can be modified. According to your actual situation, you can change it to the most reasonable date, which can not only be an emergency, but also facilitate the allocation of funds in your hands. It should be noted that the number of revisions is very limited, and many banks can only make revisions once a year.
Third, how to skillfully set the repayment date?
Let's take an example: suppose the billing date is the 5th of each month and the repayment date is the 25th of each month. If the cardholder swipes his card on June 6, 65438, then the cardholder will enjoy an interest-free period of up to 50 days.
If the cardholder has two credit cards, when the bill is issued by the B card, it happens to be the repayment time of the A card. Then when the A card issues the bill, it happens to be the repayment time of the B card. This is not only convenient to remember that the repayment will not be overdue, but also enjoy the interest-free period to the maximum extent.
If the cardholder has three credit cards, when the bill of card B is issued, it is the day when card A wants to pay back the money, and the bill of card A comes out, then the repayment time of card C is also fast.
If the cardholder has four credit cards, theoretically, the billing date of the four cards can be 5th, 10, 15, 25th, and so on, with more cards.
I would like to remind you that ordinary people do not recommend using credit cards too much, especially young people. It's almost enough to have two or three cards. If the economic conditions are better, you can set the billing dates of several cards on the same day, which is not only easy to remember, but also easy to remember the repayment date.
Of course, each bank's credit card bill date is different, and the bill date and repayment date of different accounts in the same bank are also different. So at this time, you just need to call the bank for customer service or go to the bank counter to apply for modification.
Fourth, matters needing attention
Although the 1. bill can be amended, it does not mean that it can be amended at will. Some banks stipulate how many days it needs to be revised, and before the revision, it is necessary to ensure that there is no default and no installment.
2. Most bank statements can only be revised once a year, some banks can only be revised once every six months, and some banks can only be revised once for life, so be clear before.
When is the repayment date of ICBC credit card?
The due repayment date of ICBC's credit card is the 25th day after the bill date, that is, the 25th of next month.
The interest-free repayment period is from the billing date to the due repayment date. The longest interest-free period of ICBC credit card is 56 days, and the shortest is 26 days. You can enjoy the longest interest-free period by swiping your card every month 1.
For example, if you spend money on May 1, May 3 1 is the due repayment date, and June 25th is the final repayment date, you can enjoy the interest-free repayment period from May 1 to June 25th (May 3 1 day plus June 25th, totaling 56 days); May 3 1 is the bookkeeping date, June 25 is the due repayment date, and the interest-free repayment period is from May 3 1 to June 25, a total of 26 days.
When are the billing date and repayment date of ICBC credit card respectively?
The billing date and repayment date of ICBC credit card are unified and fixed. The monthly bookkeeping date is 1, and the repayment date is 25th of each month.
Specific repayment details:
1 The repayment date for consumption before the bill date is 25th of next month; If it is consumed after the accounting date of 1, it will be the 25th of next month; If you swipe your card on February 26th, the money on the bill in February will be paid off on March 1 sunrise as long as it is paid off before March 25th.
How to handle it: You can call ICBC customer service hotline 95588 or bring valid ID to ICBC outlets for adjustment.
There is a one-to-one correspondence between the bill date and the repayment date. If the repayment date is adjusted, the bill date will also change accordingly.
The repayment date can only be adjusted once a year. For example, the repayment date was changed in May this year, and the adjustment can only be applied again after May next year 1.
The introduction of the last repayment date of ICBC's credit card ends here.