When will the credit card bill be issued if it is charged on the billing day?

Before 24:00 on the billing day. Credit card bills are generally issued before 24:00 on the billing day. The bank will calculate the cardholder's consumption records before the statement date on the statement date, but there is no specific time for issuing the statement.

Generally speaking, the time of repayment for consumption on the credit card statement date depends on the merchant's settlement time. Usually the merchant settles the bill on the second day after the cardholder's consumption, so the consumption on the credit card bill date will be accounted for. When entering the next bill, cardholders can enjoy the longest interest-free period. However, some merchants will settle the credit card bill in a timely manner and the consumption on the same day will be included in the consumption of the current period.

How to print credit card statements

Users can go directly to the bank's counter to print credit card statements. I go to the nearest bank branch with my ID card and inform the staff that I need to print the credit card statement. The staff will lead the user to print on the self-service printer. Most commercial banks will have self-service printers. You can directly check the details and print bills by inserting your ID card or credit card.

In addition, users can also print by themselves at home. Customers who have opened online banking can download and print out their credit card statements.

Introduction to bank statements:

Bank statements are commonly known as bank card deposit and withdrawal transaction statements, also known as bank account transaction statements. It refers to the list of deposit and withdrawal transactions that occurred between the customer and the bank within a period of time.

Private account flow refers to the bank card (debit card) or bank current passbook in the customer's own name, and the detailed list of deposits and withdrawals with the bank within a period of time.

Public account flow refers to the list of deposits and withdrawals that occurred with the bank in the corporate bank account of the bank customer "Corporate Customer" (who opens a basic corporate account) over a period of time.

The main ways in which inputs in bank statements are expressed: Inputs are represented by credits, and outgoing items are represented by debits. They mainly include card deposits, existing deposits, transfers, wages, renewals, online banking transfers, payment for goods, labor fees, etc.

Personal credit reports are based on the records of loans and borrowings between individuals and banks, which reflect the basic situation of past business transactions. If an individual does not have a credit report, it will be difficult to borrow money from the bank.

Credit card statement: The transaction record of the credit card account is the transaction statement given by the bank to the customer. It can only be treated as a transaction record, not a bank flow record.

Personal flow: personal transaction details, consumption, incoming and outgoing accounts, transfers, online banking, phone recharge, etc. within six months.

Salary flow: The individual works in the company, and the company has a flow of personal income tax for employees. The monthly salary is paid by the bank, and the bank pays personal income tax on its behalf, including consumption, incoming and outgoing accounts, transfers, and online banking. , phone bill recharge, etc.

Large-amount personal turnover: personal transaction details, consumption, incoming and outgoing accounts, transfers, online banking, phone recharge, etc. within six months, personal business transactions are reflected.

Personal long-distance transaction details: Personal long-distance transaction details, consumption, incoming and outgoing accounts, transfers, online banking, phone recharge, etc. within six months; non-financial gold card users need to deduct handling fees for long-distance transfers and cash withdrawals.

Business statement: Commonly known as corporate statement, it is a general account opened by the local bank where the company is located, and the company's capital flow within half a year.

How to print credit card statements

The method of printing credit card statements is as follows:

1. Go to the bank to print

Credit card statements can be printed directly Log in to credit card online banking, taking China Merchants Bank as an example.

Select the bill details to be checked in "Account Management" - "Issued Bill Inquiry". In the bill details, you can choose "Print" or "Download" "Bill;"Account Management"-"Inquiry on Unissued Bills" and you can also "Print" or "Download" the details of unissued bills.

2. Printing at branch banks

Cardholders can go to the counter of the bank branch to apply for printing of credit card statements. It should be noted that the bank's official seal is required after the credit card statement is printed. Effective, otherwise it can only be viewed and has no effect.

3. Printing from self-service equipment at branch banks

Nowadays, most banks have set up self-service equipment in order to improve work efficiency and facilitate customers. Customers can handle related businesses through self-service equipment. Self-service equipment You can directly check the bank card transaction details in the account, or print them out.

Operating environment:

Brand model: iPhone13

System version: iOS15.4

App version: v10.1.0

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay.

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Most domestic banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .

How to print credit card statement

Credit card statement users can go directly to the bank counter to print. I go to the nearest bank branch with my ID card and inform the staff that I need to print the credit card statement. The staff will lead the user to print on the self-service printer. Most commercial banks will have self-service printers. You can directly check the details and print bills by inserting your ID card or credit card.

In addition, users can also print by themselves at home. Customers who have opened online banking can download and print out their credit card statements.

The overdue credit card is due to our failure to repay the debt we incurred when using the credit card within the specified date after using the credit card. The impact of overdue credit cards on us is quite serious. If not handled well, it is likely to cause unnecessary trouble to us and make us very upset.

Normally, after our credit card becomes overdue, most banks will provide timely repayment and tolerance services for the credit card in the hands of the cardholder. That is to say, the bank allows under certain circumstances, if the credit card holder fails to repay within a certain period of time, as long as the card holder can call the card-issuing bank to apply for payment in time and pay the full amount within the limited period after the repayment date specified by the bank. If the debt is paid off, the cardholder's overdue payment will not be entered into the personal credit system.

In fact, there are clear regulations on overdue credit card laws, and the impact on credit reporting is only the smallest aspect. Generally speaking, overdue credit cards will have serious consequences for individuals:

The first is fines and interest.

Overdue credit card repayments will incur late payment fees and interest. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period from the recording date (usually the next day after consumption), with a daily interest rate of 0.05% until all is paid off.

It can be seen that overdue credit cards are not economically cost-effective for individuals, and the financial penalties are heavy.

Secondly, those who violate criminal laws may face jail time.

Article 196 of the Criminal Law stipulates that anyone who engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge; Or if there are other serious circumstances, he shall be sentenced to not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be fined not less than 5 years but not more than 10 years, but also shall be fined not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than RMB 500,000 but not more than RMB 500,000 or confiscation of property:

Using a forged credit card, or using a credit card fraudulently obtained with false identification;

Using an expired credit card;< /p>

Fakely using other people’s credit cards;

Malicious overdrafts.

When will the credit card bill be issued?

Generally, consumption before the bill date of this month will be included in this month's bill and will be billed on the bill date of this month

How long it takes for a statement to be issued after a credit card purchase mainly depends on the statement date of the card and the cardholder's purchase date. Generally, consumption before the bill date of this month will be included in this month's bill and debited on this month's bill date, and then the customer needs to repay on time before the repayment date of this month (inclusive).

Consumption after this month’s bill date is usually included in the next period’s bill and will not be billed until the next month’s bill date. Customers only need to repay on time before the next month’s repayment date (inclusive).

According to the consumption time, customers can enjoy an interest-free period ranging from 20 days to 50 days, up to 56 days.

Assume that the billing date of a customer's credit card is the 2nd of each month and the repayment date is the 27th of each month. Then his consumption after the 2nd of the previous month and before the 2nd of this month will be on the 2nd of this month. The account will be debited on the 27th of the next month (inclusive), and the payment must be made before the 27th of the next month (inclusive). The consumption after the 2nd of this month and before the 2nd of the next month will not be debited until the 2nd of the next month. Customers must pay the account on the 27th of the next month (inclusive). ) (you can choose to pay it off in full, or you can pay it in bill installments or minimum repayment).

This ends the introduction on how to issue credit card statements and how to issue credit card statements. Have you found the information you need?