Which day is the credit card statement date?

It is divided into the following three situations:

1. Some banks stipulate that the credit card billing cycle is the statement date of the previous month. to the day before the bill date of this month, then the consumption on the credit card bill date will be included in the next bill;

2. Some banks stipulate that the credit card bill cycle is from the bill date of the previous month to the bill settlement on this month's bill date. time, if the consumption is before settlement, it belongs to the current period's bill; if the consumption is after settlement, it belongs to the next period's bill;

3. Some banks stipulate that the credit card billing cycle is from the last month's statement to this month's statement. At 24:00 on the day of consumption, the consumption on the consumption day belongs to the current bill.

How to calculate a credit card account? How to calculate a credit card bill

1. The billing day calculation method is the total amount of consumption before the billing date, the previous balance - the previous balance = the bill amount.

2. If the credit card bill is not repaid in full on the repayment date, the bank will generally accrue interest at 0.05% on the full amount starting from the day after the first purchase date of the month, that is, only Once you repay the minimum repayment amount, all previous purchases will no longer enjoy the interest-free period. The specific interest will be calculated based on the consumption date.

3. The date between the bank statement date and the due payment date is the interest-free repayment date. The interest-free repayment days are generally 20 days, and the longest is 50 days. Of course, the number of interest-free days will fluctuate depending on the month.

4. The billing date is when the card-issuing bank summarizes and settles the various transactions and expenses incurred in the cardholder's credit card account on a monthly basis, calculates interest, and calculates the cardholder's repayment for the current period. date. All consumption from the last bill date to this bill date will be recorded on the current bill, but the consumption on the bill date will be included in the next bill.

When does the consumption on the billing day count?

If the consumption on the billing day is included in the bill, the credit card swiped on the billing day will be counted in the month when the card is swiped. If it is not included on that day, Consumption will be included in the next month's bill. Every bank is different and needs to be looked at individually.

1. Banks where daily consumption of credit card statements is credited immediately:

Agricultural Bank of China, Bank of Shanghai, China CITIC Bank, Hua Xia Bank, Postal Savings, China Construction Bank (for consumption before 18:00), Shanghai Rural Commercial Bank (for purchases before 19:00), Shanghai Pudong Development Bank (for purchases before 21:00), Minsheng Bank (for purchases before 22:00), and Bank of Beijing.

2. Banks that do not immediately record the daily consumption of credit card statements:

China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank, Guangfa Bank.

The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and fees that occurred in your credit card account every month, calculate the interest, and calculate the total amount you owe and the minimum payment for the current period. amount and send you a statement.

The definitions of statement date and repayment date are as follows:

The credit card repayment date of most banks is 20 days after the statement date. For example, your credit card bill date is the 19th, which means that February 20th to March 19th is a billing cycle. If the repayment date is 20 days after the bill date, the repayment date of this cycle is April 8th. If you make a purchase on March 6, it is also within the billing cycle from February 20 to March 19, and the repayment date is April 8.

If you consume on the first day of each billing cycle, the interest-free period is the longest, which is 50 days. For example, if you consume on February 20, the repayment date is April 8.

How to calculate the consumption on the billing day of Guangfa Credit Card

Credit cards generally enjoy the shortest interest-free period if the consumption is on the billing day; the interest-free period can be enjoyed if the consumption is on the day after the billing date. The longest period.

The repayment date of Guangfa Bank's credit card refers to the last date specified by Guangfa Bank when the cardholder should repay the entire amount due or the minimum repayment amount, that is, the due repayment date. The repayment due date for Guangfa Bank’s credit cards is the 20th/26th day after the statement date (the repayment due date for Guangfa Bank’s standard card, Hope Card, and QQ card is the 26th day after the monthly statement date; the repayment due date for other credit cards is every month The 20th day after the monthly bill date), that is, if the 5th is the billing day, the final repayment date is the 25th of the month; if the 17th is the billing day, the 7th of the next month is the final repayment day (regardless of the size of the month) .

Credit card application process:

Through the official application channel of China Guangfa Bank credit card, fill in the credit card application form correctly and submit it. Application channels include the official website of GF Credit Card, Discover Wonderful APP, outlet counters, on-site processing by marketers, etc. For details, please refer to the "Application Channels" guide.

After receiving the application materials, it usually takes 5-10 working days to review the materials. You can log in to the Discovery APP or WeChat to check the application progress.

After passing the review, a card will be sent and the customer will be reminded via text message. It takes about 7 days for regular mail to arrive, and it takes about 3 days for expedited mail to arrive. If you have not received the card beyond the normal time,

You can check the card mailing progress through the progress inquiry on the Discover Wonderful APP, or please call 95508 consult.

After receiving the card, you can activate the card through the official channels of China Guangfa Bank. If you have an activated Guangfa card under your name,

to activate the second card, you can activate the card through self-service channels such as online banking, Discovery APP or WeChat. If you apply for a credit card for the first time through self-service channels such as China Guangfa Bank’s credit card website, WeChat, etc.

If there are no salespeople or branch employees throughout the process, please prepare your valid original identity and hold your credit card, card application ID, and bank-reserved mobile phone Insert the card and go to the branch to apply for activation.