Generally, the repayment date is calculated according to the billing date, so the billing date of each credit card is fixed. For example, I use the CCB credit card, and the repayment date is 2 days after the billing date, so the repayment date is relatively fixed. For example, the 5th is the billing date, and if it is pushed back for 2 days, the repayment date will be 25th.

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People who apply for credit cards can be divided into companies and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.

to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

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

Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

repayment process

the issuing bank also

1. Log on to the ATM repayment homepage of the bank, and click on the credit card to repay;

2. Fill in the credit card repayment information: according to the prompts, select the credit card issuing bank, enter the credit card number, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;

4. Complete the payment in the online banking where the debit card is transferred out: according to the prompt, complete the payment through the online banking with the debit card of another bank;

5. After repayment, inquire about the transaction and print the receipt.

some banks will set several dates as billing dates, and then randomly allocate them to customers when issuing cards. Some banks use the customer's birthday as the billing date, but there are many ways to check the billing date. For example, the card letter sent with the card will record the billing date, the amount and other information, and the landlord can find it out. There are also online banking, WeChat banking and mobile banking, all of which can check the billing date. The landlord will find out the repayment date when he checks his billing date.