It is recommended to publish it evenly within one month, such as 3rd, 8th,13rd,18th, 23rd and 28th, so that you can basically enjoy the longest interest-free period when you swipe your card.
Product source:
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
How to set up a credit card (debit card) bill when holding multiple credit cards?
Spend from 14 to 27 every month, and swipe your card at 1; From 29th of each month to 2nd of the following month, credit card 2 will be spent 12. So each card can enjoy a longer interest-free period. However, remind all card friends that it is best not to spend money by credit card on the billing date, because the interest-free period at this time is the shortest and the most uneconomical.
If you have three credit cards (debit cards), you can set the billing date to 1 No.,1No.and No.20, and the card swiping method is the same as that of two cards. Just remember to use the credit card (credit card) that has just passed the billing date first!
Finally, remind cardholders that it is best not to handle so many credit cards (debit cards), as long as they can meet daily use. The best number of cards is 2-3. Too many cards are not only easy to confuse the billing date, but also may forget to repay. Once a credit card (debit card) is overdue, it will have an impact on personal credit records. It is best to apply for a card according to your actual situation. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.
4 credit card billing date setting skills? Teach you how to operate by hand
A card friend came to consult and said that he had four credit cards in his hand and wanted to know how to set up the bill. As we all know, the billing date of a credit card determines the repayment time. There are many credit cards in hand, so it is better to stagger the billing date, so that the repayment buffer period will be more. Let's have a look.
How to set up four credit card bills?
As mentioned above, the billing date of a credit card determines the repayment time, especially if there are multiple credit cards in hand. If the billing date is compact and the repayment time is similar, it will bring greater pressure to the cardholder's repayment, so it is best to stagger the billing dates of multiple credit cards.
As for how to set the billing date, here is a brief introduction to four credit cards as an example.
Usually, after the credit cards are issued, the bank will arrange billing statements, and the first thing we need to do is to list the billing statements of the four credit cards on a piece of paper, and then see which days are close at the beginning, middle and end of each month, preferably according to 1~ 10,/kloc-0 ~ 20, 20~30.
If the billing dates of all four credit cards are between four stages, then do not reset them. If there are several credit cards with similar dates, this one needs to be revised. You can call the issuing bank to see which billing date can be modified and recorded after the original billing date.
Finally, the original bills of all credit cards are compared with the optional bills, and the dates between the four stages and far apart are selected.
For example, the last four credit card bills may look like this, or the dates are very close:
The first card: billing date1;
The second card: billing date10;
The third card: the 20th day of the billing date;
The fourth card: the billing date is 30 days.
How to make a bill for five credit cards? So the credit card must be earned!
As we all know, each bank's credit cards, even different cards of the same bank, have different billing dates. Many cardholders have difficulty in having multiple credit cards at the same time, and they don't know which one is better. Actually, this is very easy to solve. You can list the billing date of each credit card, and then arrange a reasonable time to swipe the card according to the billing date. Let's take five credit cards as examples to teach you how to make bills.
For example, there are five bank credit cards, and the billing date of each credit card is:
Bookkeeping date of Industrial Bank1; China Merchants Bank Bill No.22; China Construction Bank No.27 bill date; China CITIC Bank Bill No.2; Minsheng bank bookkeeping date 18.
Then arrange five credit card bills according to the first, middle and last three days of each month:
Credit cards with billing date in the first ten days are: Industrial Bank and China CITIC Bank;
Credit cards with bill date in the middle are: Minsheng Bank;
Credit cards with late billing date include China Merchants Bank and China Construction Bank.
Then you can arrange the credit card time according to the bill.
Follow the principle of not swiping the card on the day of the bill, and the ideal arrangement state is:
No.2 ~ 18: Industrial Credit Card;
No.65438 +09~22: Brush Minsheng Credit Card;
23rd to 2nd of the following month: swipe the CMB credit card;
3rd of the following month ~ 18: Credit card of CITIC will be swiped;
The following month 19 ~26: swipe CCB credit card.
Do you think it's a little complicated? Let's summarize the main points:
1. Arrange credit cards in order of billing date. In the above examples, they are Industrial Bank, China CITIC Bank, Minsheng Bank, China Merchants Bank and China Construction Bank.
The nth credit card was swiped the day after the nth bill. In the above example, the 1 credit card (Industrial Card) was swiped the day after the 1 bill date (No.1). The second credit card (Minsheng Card) is swiped on the day after the second billing date (No.18), namelyNo. 19; And so on.
The above is the introduction of "How to make a bill with five credit cards", and I hope it will help you. In short, if you swipe your card according to the billing dates of the five credit cards listed above, you can basically enjoy the longest interest-free period, and the repayment dates of each credit card can be staggered, so you can make money by swiping your card.
How to make a bill for two credit cards? The practice is actually very simple.
Credit cards have a billing date and a repayment date. The former is related to the interest-free period you can enjoy after swiping your card. Now there are several credit cards in hand, so we need to arrange the billing dates of the credit cards to avoid repeated swiping, so as to enjoy the longest interest-free period. So, how to arrange the credit card bill? Take two credit cards as an example to introduce.
Of course, when making a bill, you should first list the bills of two cards. The purpose is to see how the time difference between the two is, and try to lengthen the billing interval between the two credit cards, mainly in the first half and the second half.
If the billing dates of the two cards are similar, then we need to see whether the billing dates of these credit cards can be modified. If they can be modified, we can choose the billing date of one of the credit cards as the date of the first half of the month by comparing the billing dates that can be selected. If it is 1, that is the best; The other is the date of the second half month, preferably after 15.
Here is an example to illustrate:
If the billing date of the first credit card is set to 1 1, the billing date of the second credit card can be set to 25th. After arranging the bill, you should also swipe your card according to the principle of swiping your card the day after the bill.
Then, from 12 to 24, you can swipe the first credit card every month; Use the second credit card to spend money from 26th of every month to 10 of the second month, so that both credit cards can basically spend money in the current month, pay the bill next month and repay the money next month, thus enjoying the longest interest-free period.
If you have more than two credit cards and 3~5 credit cards, you can also sort out the bill according to the above method. Anyway, our ultimate goal is to avoid overlapping billing dates of multiple credit cards and enjoy the longest interest-free period.
I have several credit cards. How to set up a bill statement is more appropriate?
All settings are made after the 20th of each month (preferably on the same day).
Benefits: 1, easy to remember, will not miss the repayment because of forgetting; 2. Generally, the salary is paid on the 20th, and there is no money to pay back the credit card; Generally, you spend more at the end of the month, just after the bill date, you can make full use of the interest-free period of about 50 days.
So much for the introduction of how to arrange the bills of five credit cards.