What do credit card entries and exits mean?

The account was entered the next day after swiping the card. At that time, it was just a record! A bill is a bill! The bill will not be issued until the date

What does the billing date mean?

The credit card billing date refers to the bank's billing date, that is, the date when the bank summarizes and settles the current transaction amount. After the bill comes out, the total amount owed for the current period and the minimum payment amount will be displayed. The minimum payment amount needs to be paid on the payment date to avoid being overdue.

The credit card issue date is generally designated by the bank, but some banks can provide modification services. The bank will provide several dates for the cardholder to choose. The modification will officially take effect next month if successful. Please consult for details. Card issuing bank.

For example, if the credit card payment date is the 3rd, then the 23rd is the repayment date.

If you repay between the 3rd and the 23rd, no interest will be required on the repaid amount.

The 23rd is the last repayment day. Repayment after this day will be considered as overdue repayment.

However, most banks have time tolerance services. Full repayment or installment repayment within 3 days after the last payment date can be counted as normal repayment.

Extended information:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can consume within the credit limit. A credit card that is repaid later; 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 quasi-credit card can be overdrawn within the specified credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe your card for consumption, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use your card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

What does "debited and undebited" mean?

If you refer to the debited and "undebited" of your credit card, it means that your credit card has been successfully consumed and has been credited, but The billing date has not yet arrived, so it is shown as unbilled.

Credit cards have a billing date every month, and the repayment period is within 20 days after the billing date. During this repayment period, the amount of the bill that has been billed needs to be paid back; the amount of the bill that has not been billed is after the bill due date. , you need to repay within the repayment period after the bill date of the next month. If you make a purchase after the bill date, it will be credited to the next month's bill amount that needs to be repaid.

The definition of billing day:

The billing day refers to the card-issuing bank’s regular monthly summary and settlement of various transactions, fees, etc. that occurred in your credit card account in the current period, and the settlement interest, calculate the total amount you owe for the current period and the minimum repayment amount, and send you a statement. This date is your credit card statement date.

Definition of credit card:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Introduction to credit card bill installment:

Credit card bill installment is one of the types of credit card installments. This kind of installment refers to the payment made by the credit card holder after using the credit card to make purchases. The credit card center requires that the consumption amount be returned to the bank in installments. Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply for installment payment between the time the card payment is credited and the due date of repayment. As long as you have no bad personal credit record, you can be approved.

Definition of installment payment:

Instalment payment (PaybyInstallments) is mostly used in some product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.

What does the credit card issue date mean?

The credit card issue date refers to the bank’s statement date, that is, the date when the bank summarizes and settles the current transaction amount. The current period will be displayed after the statement comes out. The total amount owed and the minimum repayment amount need to be paid in full on the repayment date to avoid overdue payment. The credit card issue date is generally designated by the bank, but some banks can also provide modification services. The bank will provide several dates for the cardholder to choose. If the modification is successful, it will officially take effect next month. For details, please consult the card issuer.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. 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 bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

What does it mean that a credit card bill has been issued? Is there a plus sign indicating that the bill has been paid or not?

The issued bill is the bill that has been settled. What you are looking at is the transaction details. The number means that the money was used by you, not the repayment. The total amount of the current bill is 0 yuan means that you do not need to repay the current bill. This may be because you paid more on the previous bill and had a balance, which was deducted from the newly recorded debt in this bill.

This is the end of the introduction to the meaning of credit card payment.