Swipe your card on the same day and charge it to next month's bill. Will not be included in the current bill. For example, if your billing date is 20th, credit card transactions before 20th of each month will be included in this month's bill, and transactions after 20th (inclusive) will be included in the next billing cycle. The billing date is fixed, based on the date of birth filled in the credit card application form (birthday 29/30/3 1, the system is randomly configured as 4-28). See the bill prompt for details.
1, accounting date
The billing date means that the bank will regularly summarize and settle the current transactions and expenses of the credit card account every month, and calculate the total amount owed and the minimum repayment amount in the current period.
The billing date is fixed, based on the date of birth filled in the credit card application form (birthday 29/30/3 1, the system is randomly configured as 4-28). See the bill prompt for details.
2. Final repayment date
This is the last date for you to pay off your current credit card debt. Paying off debts before this date will not generate interest. If the final repayment date is exceeded, interest will be calculated. So please remember the last repayment date.
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Guangfa Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods. The owner's card is aimed at private car owners, and they will enjoy more benefits in refueling and car maintenance. At the same time, Guangfa Bank has issued a business card with a credit card, which can be applied in some large-scale consumer places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.
When you swipe your credit card on the bill date, you need to know whether the consumption on the bill date is included in the bill. If it is included in the bill, it is included in the month of swiping the card. Every bank is different and needs to be looked at separately.
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.
How to calculate the repayment of Guangfa Credit Card?
On the billing date of Guangfa Credit Card, the issuing bank will send a statement (e-mail or e-mail) to the cardholder regularly every month. This date is the monthly accounting date. The bill lists all the details of the current credit card transaction, as well as the amount to be repaid and the repayment date. Generally speaking, the accounting date of Guangfa Credit Card will be set as the cardholder's birthday.
The longest interest-free period of different cards of Guangfa is different, among which the longest interest-free period of Guangfa Standard Card, Olympic Card, True Love Card and QQ Card is 56 days. The longest interest-free period for China Southern Airlines Card and Dog Card is 50 days.
Calculation method of interest-free period: the difference between the date of your consumption and the date of bill, and the last repayment days after bill.
Take Guangfa qq Card as an example, the final repayment date is the 25th day after the billing date.
If you have a consumption on 19, then the consumption will be in the 20th journal, and your last repayment date is the 25th day after the bookkeeping date, so the interest-free period you can enjoy is 025 = 25th day.
The billing date of CGB credit card is calculated by swiping the card.
Hello, the credit card of Guangfa Bank will be swiped on the billing day. Guangfa Bank: offline consumption is included in the next bill (the current period is calculated online, and the next period is calculated after 18: 00).
How to calculate the one-day credit card issued by Guangfa Card?
CGB credit card will be charged on 17 that afternoon. If the merchant checks out in time:
Consumption before 1 and before the billing date 17 will be recorded in the current bill and returned before the current repayment date;
2. Consumption after the billing date 17 o'clock will be recorded in the next bill and returned before the next repayment date.
When will the credit card be repaid on the billing date? The calculation method of each bank is different. Some banks charge faster, so the consumption on the day of the bill is accounted for in the current month, such as Ping An Bank and Shanghai Pudong Development Bank, while some banks with slower charges are accounted for in the next bill.
When the credit card is repaid on the same day depends on the settlement time of the merchant. General merchants settle accounts on the second day of cardholder's consumption, so that the consumption on the day of credit card billing date is included in the next bill and enjoys the longest interest-free period; However, if the merchant settles the account in time and settles the credit card bill on the same day, the consumption of that day will be included in the current consumption.
Credit card payment on the same day is also related to the cardholder's spending time. Generally, it belongs to the current consumption before the bank 17, and it is included in the next period if it exceeds 17. But for insurance, it is best to spend on the day after the billing date to avoid overdue due to different banks.
How to calculate the daily consumption of Guangfa Credit Card?
Credit cards are generally consumed on the billing date, with the shortest interest-free period; Those who spend on the day after the bill date can enjoy the longest interest-free period.
The credit card repayment date of Guangfa Bank refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by Guangfa Bank, that is, the due repayment date. The credit card repayment date of Guangfa Bank is the 20th/26th day after the bill date (the repayment due date of standard card, hope card and QQ card of Guangfa Bank is the 26th day after the bill date of each month; The repayment due date of the remaining credit cards is 20th after the billing date of each month), that is, if 5th is the billing date, the final repayment date is 25th of the current month; If the billing date is 17, the 7th of next month will be the final repayment date (regardless of year and month).
Credit card application process:
Fill in and submit the credit card application form correctly through the official application channel of Guangfa Bank. Application channels include Guangfa Credit Card official website and Discover Wonderful App.
For the on-site handling of branch counters and salesmen, please refer to the "Application Route" for details.
After receiving the application materials, it usually takes 5- 10 working days to review the materials. You can log in to find a wonderful APP or WeChat to check the application progress.
After the approval, the card will be issued and the customer will be reminded by SMS. It will arrive in about 7 days by surface mail and 3 days by express mail. If the card has not been received beyond the normal time,
You can check the card mailing progress by finding the wonderful APP progress query, or you can call 95508 for consultation.
After receiving the card, you can activate the card through the official channel of Guangfa Bank. If you have an activated GDB card in your name,
Activate the second card, which can be activated through self-service channels such as online banking, Discover Wonderful APP or WeChat. If you apply for a credit card for the first time through self-service channels such as the credit card website of Guangfa Bank and WeChat,
And there are no salesmen or employees in the whole process, please prepare the original valid identification and apply for opening at the outlets with credit cards, card certificates, bank reserved mobile phones and card sets.