1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and expenses that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is the statement date of your credit card. Simply put, the bank tells you how much money you should repay on this bill, the minimum repayment amount, consumption details, etc.;

2. Repayment date: Credit card For non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the bill date to the last repayment date, and the longest is from the day after the bill date to the last repayment day of the next month. If the bill date is the 1st and the final repayment date is the 20th, the minimum is 20 days and the maximum is 50 days. It means that the bank stipulates when the current credit card bill should be repaid. Extended information

The common domestic credit card repayment methods mainly include the following categories (according to the cost):

1. In-bank repayment

This repayment method Mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment and other methods. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. Instant payment!

3. Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

4. Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

6. Counter pass

Counter pass refers to the bank cards issued by various networked financial institutions, which can be used to make RMB transactions through the counters of other bank branches registered in the UnionPay exchange center host system. Current deposit and withdrawal transactions.

7. Lakala

Card holders can complete credit card repayments, mobile phone recharges, online bill payments, etc. through convenience stores, bank outlets or purchase "Lakala" device terminals business.

8Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided financial services by China UnionPay's inter-bank information exchange network Support innovative electronic products.

9. Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

10. Other methods

In addition to these repayment methods, card issuers have also opened their own unique repayment methods to facilitate cardholders' repayment.

Reference materials: Baidu Encyclopedia-Credit Card Repayment

Baidu Encyclopedia-Billing Date

Baidu Encyclopedia-Repayment Date