Unbilled bills are relative to issued bills. Unbilled bills refer to all transactions that have been registered since the last billing date but have not yet reached the billing date of this month. During the period from last month's accounting date to this month's accounting date, all your consumer transactions are called bookkeeping.

1. What are invoiced and uninvoiced?

Billing: It means that the issuing bank regularly collects and settles all transactions and expenses of the credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and makes a statement by mail.

Unbilled bill: it's the bill of the next period, but it hasn't been typed yet because it hasn't reached the settlement date yet.

Suppose your bill date is the 2nd of each month, then your repayment date is the 22nd of each month. Means of billing: Take this month as an example, the bills consumed from September 2 to June 2 of/kloc-0 should be returned on 10/October 22; However, the consumption bill after 65438+10.2 will not be issued until165438+10.2. The natural bill has not been paid yet, and it will not be returned until165438+1October 22nd. Therefore, it is generally the most cost-effective to spend one day after the monthly bill, because it takes 50 days to pay back the money.

Second, can credit cards be repaid without paying the bill?

Usually, after the bank issues a bill, that is, after the credit card bill date, the cardholder can repay according to the amount shown in the bill. But before the credit card bill date, the cardholder can also repay. At this time, if there are bills that have not been changed in the previous period, then the returned money will give priority to repaying the previous bills; The extra repayment is used to offset the current credit card bill.

There is an "unrecorded" transaction in the unpaid bill of the credit card.

Usually, after the credit card is swiped, there will be a process from swiping the card to collecting the credit card bill, that is, the settlement process between merchants, payment institutions and banks. In general, the card transaction of the day will be recorded in the next day. Credit card unrecorded transactions refer to transactions that have been swiped but not yet included in the bill. It should be noted that if the unrecorded transactions occurred around the billing date of the credit card are finally recorded before the billing date, the cardholder needs to repay in the current period; If it is finally credited after the billing date, the cardholder needs to repay the loan on the next due repayment date.