1.

Credit card billing date means that the issuing bank regularly summarizes and settles all the transactions and expenses of the credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and mails the statement;

2.

The repayment date refers to the latest date when the issuing bank (or institution) requires the cardholder to repay the payable amount.

Every bank has a fixed repayment date and billing date, so the billing date and repayment date of credit cards cannot be modified.

Penalties for failure to repay on the due repayment date include:

1.

All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis;

2.

Received a phone call or letter from the bank;

3.

Freezing the account and feeding back the record of arrears to the bank and recording it in the credit file will affect personal credit.

To sum up, the newly activated credit card cannot modify the billing date and repayment date.