the repayment date is an interest-free period enjoyed by swiping the card after the bill date, which is calculated in two stages. One is the time from the repayment date to the next billing date, and the other is the time from the next billing date to the next repayment date. In fact, that is, swiping the card before the billing date, and the interest-free period enjoyed is not as long as swiping the card after the billing date.
for example, if the repayment date is 1th on the 23rd billing date of a credit card, the credit card will not be repaid until September 1th on August 1th. Because the bill will be issued on August 23rd, there will be a 14-day interest-free period from August 1th to August 23rd, and an 18-day interest-free period from August 23rd to September 1th. The total interest-free period is more than one month.
if the interest-free period is not long enough, if the transaction of pure consumption can be staged after the bill comes out, the consumption on the repayment date can be postponed until the bill comes out next month, which is equivalent to extending the interest-free period for one month, and the arrears that have not been staged must be repaid before the end of the current repayment date.
the above is the introduction of "how many days can I use my credit card after repayment". In short, the credit card can be used all the time if the credit card is in a normal state and the amount is sufficient after repayment, but the interest-free period should be judged according to the credit card time and billing date.
two or four credit card repayment methods
while providing convenience for us, it is very important to choose the right credit card repayment method to make credit card repayment save money and worry. At present, the well-known credit card repayment methods mainly include counter repayment, online banking, self-service terminal transfer repayment and automatic repayment of agreed accounts.
1. UnionPay online is safe and practical
UnionPay online repayment business is that credit card holders transfer the funds in their debit cards to their credit cards through UnionPay website. In order to ensure the safety of funds, UnionPay online payment requires repayment with the same name, that is, it must first pass the real-name verification of debit card and credit card and be confirmed as a card with the same name before initiating repayment.
At present, some banks have opened the repayment function with the same name, which is free to use during the promotion period. UnionPay does not charge users inter-bank and cross-regional fees, and it can operate directly without opening online banking services at the counter. The maximum monthly credit card repayment limit for cardholders is RMB 2,, that is, no matter how many credit cards or debit cards, the repayment on this platform cannot exceed RMB 2, per month. Due to the different posting time of different credit card centers, the posting time is generally before 12 o'clock on the third working day after the repayment operation, and it will be postponed in case of weekends and legal holidays. It is understood that only 1 banks can provide real-time feedback. Moreover, the transfer and transfer of bank cards is not comprehensive.
2. Fast money supports multiple banks
Compared with UnionPay Online, the advantage of "Fast Money" is that it supports more debit cards and credit cards. Debit cards of the four major banks and 21 banks such as Bank of Communications, China Merchants Bank, Minsheng, Xingye and Pudong Development Bank can be used to transfer funds, while credit cards of 15 banks such as ICBC, Agricultural Bank of China and China Construction Bank can be repaid here. And like UnionPay Online, the online repayment service provided by Kuaiqian does not charge any fees.
for the time of receipt, there are the following repayment methods. Bank of Ningbo received the accounts in real time, and Shanghai Pudong Development Bank received the accounts on T+1, China Merchants Bank, Xingye, China Everbright and Bank of Communications on T+1, CITIC on T+2 and ICBC, Agricultural Bank of China and China Construction Bank on T+3. Here, I would like to remind everyone that the arrival time of accounts will generally be postponed in case of holidays, so in order to avoid exceeding the repayment period, it is recommended that you make repayment five days in advance.
It is also known that "quick money" does not support the repayment method of "credit card to credit card" and does not support the repayment of others' credit cards.
3. Alipay is fashionable and convenient
There are three ways to repay credit cards on Alipay: online banking, namely Alipay platform, Alipay cartoon, and withdrawal of balance, in which the withdrawal balance is received in Alipay account and can be used for repayment. At present, this business is free. It should be noted that you can also repay others' credit cards through online banking, and you can only repay yourself through cartoons or withdrawals, and you can't repay others. At present, Alipay does not support "credit card repayment" for the time being, and all transaction funds repaid by credit card will be returned to the original card within 3 ~ 5 working days. Among several banks that can repay credit cards with Alipay accounts, China Merchants Bank can receive the accounts within one day, while GDB, ICBC and Bank of Communications can receive the accounts in two days, and the time for online account inquiry will be delayed by one day.
In addition, in terms of ensuring security, Alipay has launched a digital security certificate, which is shared with banks. However, these security measures also have their own drawbacks. For example, the use of digital certificates is not particularly convenient, and it needs to be downloaded and installed. Generally speaking, it is aimed at fixed computers and only suitable for high-end users.
4.
Lacarra can use "Lacarra" for repayment anytime and anywhere, as long as you swipe any debit card with the UnionPay logo on its terminal at the outlets equipped with "Lacarra" equipment, which are generally located in supermarkets, pharmacies and convenience stores. After repayment, the credit line will be restored within three working days at the latest, but the rules of each bank are different. For example, China Merchants Bank and China Everbright need to repay three working days before the due repayment date, Agricultural Bank of China and China Bank need to repay two working days before the due repayment date, and Guangfa needs to repay one working day before the due repayment date, otherwise the bank will charge a late fee, while Industrial Credit Card supports the repayment to arrive at the account at any time. Therefore, it is best to complete the repayment three working days before the final repayment date. There is no handling fee for repayment through Lacarra, and there is no handling fee for repayment by debit cards and credit cards of different banks.