Consumer bills after credit card bills are generally included in the next bill and can be repaid on the repayment date after the next bill.

1. In fact, you can enjoy the longest interest-free period after the billing date. For example, the billing date of a credit card is the 20th of every month, and the repayment date is 10 every month. Cardholders can enjoy the longest interest-free period if they spend money on May 2 1 and return it on July 10. Usually, in order to enjoy the longest interest-free period, we can try to arrange consumption after the bill date and avoid spending a few days before the bill date. This is also a skill that we must master in credit card consumption, which is very helpful for everyone to use credit cards at ordinary times.

In life, many people manage their spare money with the longest interest-free period. 50 days can generate good income. It should be noted that the repayment date must be repaid on time, and the repayment cannot be forgotten because of financial management. The billing date is a summary of the last consumption cycle. After the ticket is issued, the cardholder can prepare for repayment. If there is repayment pressure, individual banks now offer the opportunity to change the billing date, which can extend the repayment period of some consumption and reduce the repayment amount.

3. In addition to changing the bill date, the bank also provides the cardholder with installment repayment or minimum repayment amount during the repayment period. Both methods can reduce the burden on the payer, but using installment repayment requires a certain handling fee; All consumers who use the minimum repayment amount can't enjoy the interest-free period, and interest will accrue from the date of consumption. When using a credit card, try not to exceed your own burden, so that there will be no excessive repayment burden, which can effectively avoid overdue. After all, overdue credit cards may have an impact on the credit of cardholders.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

What month is the consumption on the day of the credit card bill?

Calculate the current month, or next month, because the entry time of each bank is different. If it is included in the bill, it will be returned in the current month; If it is not included in the bill, it can be returned next month.

Credit cards have become the theme of many people's lives, but the use of credit cards often involves very small details, and these details are also very critical, because it not only affects the cost of using credit cards, but also affects the negative effects of using credit cards.

I. Credit card bill

It means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, and calculate the total amount owed and the minimum repayment amount in the current period.

Second, the best repayment date

It refers to the last day when the credit card issuing bank asks the cardholder to repay the amount payable, and it is also the last day when you repay without interest.

It is particularly important to note that the credit card bill date is earlier than the final repayment date, which means that you can read the credit card bill before repaying.

Whether the daily consumption of credit cards is this month or next month depends on the bank. However, according to the actual situation, whether the daily consumption of credit cards is included in this month's bill or next month's bill varies greatly among banks, but it can be roughly divided into two categories:

1. Banks with instant credit card spending: Agricultural Bank, Shanghai Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank, China Construction Bank (spending before 18:00), Shanghai Rural Commercial Bank (spending before 19:00) and Shanghai Pudong Development Bank (2 1:00).

2. Banks that do not record credit card bills immediately: China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank and Guangfa Bank.

For example, if you have a credit card, the billing date of the credit card is 10 every month, and the final repayment date of the credit card is 25th every month. If you spend money in the current month 10, you need to pay it back before the 25th of this month. If it is not included in the bill, it will be repaid before the 25th of next month.

Small details of using a credit card: if you use a credit card with the lowest repayment amount, you can't enjoy the interest-free period. All consumption starts to bear interest from the consumption date until the user pays off all the debts; Installment repayment or minimum repayment will occupy the credit card limit, which will be affected in subsequent credit card consumption.

What month is the consumption on the accounting day?

1. If the bill contains single-day consumption, the single-day consumption of the credit card will be included in the month of swiping the card. If the day is not included in the consumption, it will be included in next month's bill. Every bank is different and needs to be looked at separately.

2. If the consumption before receiving the bill on the billing date is included in the current bill, it is included in this month, and it needs to be repaid before the repayment date of this period. If the bill of last month has been received on the bill date, the consumption after receiving the bill will be counted as the consumption of next month.

First, credit cards are generally consumed on the day of the billing date, and you can enjoy the shortest interest-free period; Those who spend on the day after the bill date can enjoy the longest interest-free period.

1. Banks whose credit card bills are recorded immediately: Agricultural Bank of China, Shanghai Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank, China Construction Bank (spending before 18: 00), Shanghai Rural Commercial Bank (spending before 19: 00) and Shanghai Pudong Development Bank (21:)

2. Banks that do not record credit card bills immediately: China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank and Guangfa Bank. The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you.

Disadvantages of credit cards:

Second, the invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

1. Blind consumption: swiping a card is not like paying cash in a lump sum. When you brush, you don't feel anything A few figures lead to blind consumption and spending money like water.

2. Excessive consumption: notebook staging, digital camera staging and smart phone staging. While enjoying your favorite items in advance, you should also consider whether you can repay them.

3. High interest: If you can't take care of your credit card, the bank will charge you high interest if you can't pay it by the final repayment date. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)

Is the one-day credit card spending this month or next month?

Some banks, such as China Construction Bank, charge their credit card bills directly to the current bills, requiring customers to repay on time before the repayment date of this month (inclusive). Some bank credit card bills are included in the next bill, and will not be returned until the next month's bill date, while customers only need to pay back the money on time before the next month's repayment date (inclusive), such as China Merchants Bank.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

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

Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

Does the credit card bill include the expenses of the day?

Different banks have different calculation methods, and some banks with fast entry are included in the current month.

For example, Shanghai Pudong Development Bank, and some banks that have entered slowly are included in the next bill, such as China Merchants Bank and Bank of Communications. Banks are not unified. To be on the safe side, it is recommended to spend on the day after the billing date to avoid overdue due to different banks.

For example, if the settlement of China Bank is from 1 to the end of each month, such as 1 1, then the bill (bill date) of this month is 1 1, so it is 12.

65438+Interest-free repayment before February 20th. If not, there will be interest and bad records. If it is165438+1October 30th, the repayment date is also 65438+February 20th. And so on. As a reminder, the repayment date and billing date of each bank are different. The regulations of different banks are slightly different. The latest repayment date is generally 20 or 24 days after the bill date.

Extended data:

1. One-day credit card consumption can be recorded immediately. The current bills are:

Agricultural Bank, Shanghai Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank, China Construction Bank (before 18:00), Shanghai Rural Commercial Bank (before 19:00), Shanghai Pudong Development Bank (before 2 1:00) and Minsheng Bank (before 22:00).

2. The credit card bill will not be entered on the same day, and the next bill will be:

China Everbright Bank, Bank of Communications, China Merchants Bank, China Bank, Industrial and Commercial Bank of China, Ping An Bank and China Guangfa Bank (except Alipay Express Payment).

In addition, Bian Xiao also suggested that card friends can call specific banks to make inquiries, so as to avoid damage to their rights and interests.

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When will the credit card bill be billed?

The credit card consumption on the billing date is included in the current bill and should be repaid before the subsequent repayment date.

1. Credit cards are generally spent on the day of the bill, with the shortest interest-free period.

2. If you spend on the day after the bill date, you can enjoy the longest interest-free period.

The billing date of China Merchants Bank's credit card is the 20th of each month, and the repayment date is the 8th of each month. Therefore, if you spend on July 20th, you will be repaid before August 8th, so the interest-free period you enjoy is the shortest. If it is July 2 1 consumption, which belongs to the bill of August 20, it should be repaid before September 8, so that you can enjoy the longest interest-free period.

Every month, the bank will regularly summarize and settle the current transactions and expenses of the cardholder's credit card account, calculate the total amount owed by the cardholder in the current period and the minimum repayment amount, and send a statement for the cardholder. This date is the billing date of the credit card.

Extended data

Bills can be sent in the following ways:

1. Paper bills

Conservative Party's choice, delivery time: around the third day of the invoice date. It will be sent to the predetermined billing address by ordinary mail.

2. Email bill

The email owner's choice will be sent on the second day of the billing date and will be sent to the reserved email address. As the most convenient, fastest and environmentally friendly billing member, we sincerely recommend her to you. Send the short message "DZZDTX # +++ last 4 digits # email address" to 95580, which can be modified into email bill and updated email address.

3. Bill SMS

Reminders that cannot be ignored will be sent on the 10 day of the billing date. Send to the reserved mobile phone number. If you still haven't received the bill within 10 days after the bill date, you can check the bill through online banking, mobile banking, WeChat banking, self-service voice, customer service hotline and other channels to avoid delaying repayment.

If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you will face the following penalties:

1. All consumption funds are no longer entitled to interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis.

2. Received a phone call from the bank and a dunning letter.

3. Freezing accounts and feeding back arrears records to the People's Bank of China and recording them in credit files will affect personal credit.

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Baidu encyclopedia-due repayment date

So much for the introduction of credit card bills and daily consumption.