Get out of the way I want to zoom in! As we all know, the longest interest-free period of general credit cards is 50 days or 56 days, but we can enjoy the interest-free period of 100 days by making good use of these two policies of banks.
1. Adjustment of bill date
If the billing date of our credit card is the 6th of each month and the repayment due date is 20 days later, then we can enjoy a maximum interest-free period of 50 days by swiping the card on the 7th of each month. We can call the customer service department of the bank from the 27th of this month to the 6th of next month. Please change the billing date. Generally, the bank will set a few fixed times for us, such as the 8th and 26th. You can choose the 26th here. After the successful revision, our interest-free period can be changed from 50 days to 70 days.
Second step
According to the adjustment of the bill date, we spent a sum of money on May 7th, and successfully changed the bill date to 26th of each month on the 27th of this month, so the consumption amount will be recorded on June 26th. Then within 20 days from the billing date to the repayment due date, we can call the bank again to ask for installment payment. After the bank statement is phased, the amount due in this period will be included in the next billing date, that is, July 26th. In this way, we only need to pay off the fees paid on May 7th before August 15. During this period, we enjoyed an interest-free period of nearly 100 days, and only needed to pay the handling fee required by installment.
You can also use the repayment APP to repay. After the installment plan is successfully created, the repayment can be postponed for one month, which is equivalent to another month's interest-free period.
Interest-free period of bank credit card
Interest-free repayment period refers to the interest-free period from the bank bookkeeping date to the due repayment date. There are two ways to set the interest-free period. One is that the bank clearly stipulates that one day of each month is the deadline for interest-free repayment, and the interest-free period is the date between the bank's bookkeeping date and the deadline; The other is that the cardholder chooses a billing date according to his own needs, and then sets the latest repayment date according to the billing date, so the interest-free period is the date between the bank billing date and the latest repayment date.
I. Bank of China
The longest interest-free period of China Bank Credit Card is 50 days, and the repayment date is 20 days after the bill date. The bookkeeping date is fixed, and the repayment date is not fixed (in months and months). The billing date of BOC credit card can be adjusted by 1 time every natural year, provided that all bills need to be paid off.
Second, the Agricultural Bank.
The longest interest-free period of ABC credit card is 56 days, and the repayment date is 25 days after the bill date, and the repayment date is not fixed (in months and months). Bookkeeping date is given by the system and cannot be adjusted.
Three. Industrial and Commercial Bank of China
The longest interest-free period of ICBC credit card is 56 days, and the repayment date is 23 days after the bill date (calculated by 30 days per month), and the repayment date is fixed. The billing date can be adjusted once a year, and can be adjusted by phone or ICBC app.
Four. China construction bank
The longest interest-free period of CCB credit card is 50 days, and the repayment date is 20 days after the bill date. Now the repayment date is fixed, and the bill date can be revised once a year. If the accounting date changes, the repayment date will also change accordingly.
Verb (abbreviation of verb) Bank of Communications
The longest interest-free period of Bank of Communications credit card is 56 days, and the repayment date is 24 days after the bill date. The repayment date is fixed and will not change from month to month. The bill date can be adjusted, but the card can only be adjusted once during the validity period.
6. China Merchants Bank
The longest interest-free period of China Merchants Bank's credit card is 50 days, and the repayment date is 18 days after the bill date (with a span of 30 days). China Merchants Bank credit card, record the repayment the next day. When you need to pay attention, it is best to repay one day in advance. In addition, the billing date of China Merchants Bank can be adjusted, and it cannot be adjusted again within six months after a single adjustment.
Seven. Guangdong Development Bank
The longest interest-free period of Guangfa Credit Card is 50 days, and the repayment date is 20 days after the billing date (calculated by 3 1 day in a month). For example, the bookkeeping date is 2 1 and the repayment date is the 9th of the following month. GDB Platinum Card can adjust its billing date once a year. Ordinary credit cards cannot be adjusted.
8. China CITIC Bank
The longest billing date of CITIC Credit Card is 50 days, and the repayment date is not fixed, which is 19 days after the billing date. The credit card billing date of CITIC Bank can only be modified once every six months, and the modification range must beNo.. 1-20 (inclusive), and it shall not exceed 8 days before and after the original bookkeeping date, and shall take effect in the following month.
9. The longest interest-free period of Industrial Bank Industrial Credit Card is 50 days, and the repayment date is not fixed, which is 20 days after the bill date. The bookkeeping date can be adjusted twice a year.
Ping an bank
The longest interest-free period of Ping An Bank's credit card is 50 days, and the repayment date is fixed, that is, 18 days after the bill date, which will not change from month to month. The accounting date can be adjusted every six months.
How does CITIC Credit Card Buy Apple without interest?
The steps of CITIC Credit Card's interest-free purchase of Apple are:
1. Go to Taobao, JD.COM and other shopping apps to see what Apple has done. You can choose 12 or 24 interest-free installments.
2. Just bind the credit card of CITIC Bank.
3. Then, CITIC Credit Card has its own app, and there is also a mall on it that can directly choose to shop for Apple mobile phone interest-free activities. The above are the steps for CITIC Credit Card to buy apples without interest.
How to use the longest interest-free time of credit card?
As follows:
1. First, apply for a credit card of your own. You can go to the bank for consultation or download the corresponding bank app to apply online.
2. Know the billing date and repayment date. If your billing date is the 5th of each month, you can swipe your card after the 5th, so you can keep the longest interest-free period, up to 50 days (some banks stipulate that it is more than 50 days). Remember that you can enjoy the longest time only if you brush it one day after the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
What apps have the function of counting the interest-free period of credit cards?
The official bank app will remind you whether interest will be generated according to your repayment amount.
Let's talk about the introduction of credit card interest-free app first.