What is the date when the Bank of China credit card is issued? When is the final repayment deadline?

After your credit card application is approved, Bank of China will provide you with a monthly billing date. 20 days after the billing date is the due date for repayment. You can use Bank of China mobile banking or credit card WeChat public Check your credit card statement date, repayment date and transaction status through channels such as your account number, Colorful Life APP, online banking, counter, customer service hotline and other channels.

The above content is for your reference, please refer to actual business regulations.

The bill will be issued a few days after the China Merchants Bank credit card payment

Consumption made on the China Merchants Bank credit card statement date will generally be included in the next month's bill, and you can enjoy an interest-free period of nearly 50 days. In the end, please refer to the actual bill display (except for cash advances).

For example: the credit card statement date of a cardholder is the 1st, and the due date for repayment is the 20th. Cardholders made purchases with their cards on November 5th, 12th, and 30th. At this time, the bank will summarize and settle the user's consumption amount on December 1st.

Since the billing date usually refers to the billing date, the billing data is as of 23:59:59 the night before the billing date. That is, consumption starting at 0 a.m. on the billing day will be included in the next bill.

About the recording of consumption amount on the credit card statement date:

1. Under normal circumstances, the consumption amount on the credit card statement date of China Merchants Bank is calculated into the next statement; for example: the statement date is 1 On the 25th of the month, the consumption on the 25th is generally not recorded until the 26th, and will be included in the next period's bill. That is, the payment will be due on February 23rd.

2. The consumption on the Bank of China credit card statement day will be calculated into the next bill; for example: if the credit card statement date is the 7th, and a purchase is made on July 7, the amount of consumption will be on August 7 To settle the bill, the final payment date is August 27th. Please refer to the bill you receive for specific details.

3. The consumption on the Bank of Communications credit card statement day will be calculated into the next bill; for example: the credit card statement date is the 10th, and a purchase is made on July 10th, the amount of consumption will be on August 10th. To settle the bill, the final payment date is September 5th. Please refer to the bill you receive for specific details.

4. The calculation methods of each bank are different. Some banks with fast payment will be included in the current month, such as Shanghai Pudong Development Bank, while some banks with slower payment will be included in the payment on the next bill day. Such as China Merchants Bank and Bank of Communications. All banks are not uniform. To be on the safe side, it is recommended that the payment be made on the day after the statement date to avoid overdue payment due to different banks.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

How long does it take for a credit card to issue a bill?

Generally speaking, if a consumer spends money with a credit card on the same day, the bank will record it the next day. Therefore, if the cardholder spends money on the credit card statement, Spend money on the same day, and the amount of his consumption will be recorded in the next credit card bill, that is to say, the overdraft amount on the last repayment day of the next month will be repaid

Credit cards are also called debit cards , 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.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How many days does it take for a credit card to be billed?

The bill will be issued on the bill date you set each month.

Each bank has different statement date settings. Taking China Construction Bank as an example, the credit card statement dates are 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, and 25 of each month. , 26th and 27th, the billing date can be modified, but can only be modified once in a calendar year.

The billing date and the repayment date are different. The billing date means that every month the bank will regularly summarize and settle the various transactions and consumption of your credit card, and calculate the total amount owed and the minimum repayment amount for your period. The repayment date refers to the last day the cardholder should repay the card. On the statement day, the bank will notify you via text message of the final repayment date. You only need to repay before the final repayment date.

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' settlement will be included in the current period's consumption if the credit card bill is settled in a timely manner on the same day.

When is the billing date of ICBC credit card every month?

The bill date for ICBC credit cards is uniformly the 1st of each month; the repayment date for ICBC credit cards is before the 25th of the next month.

1. ICBC credit card repayment date:

ICBC credit card repayment date and statement date are fixed.

The bill date for all ICBC credit cards is the end of the month, which is the last day of the natural month. For example, the bill date in March is March 31, and the bill date in April is April 3. Ten days. The repayment date for ICBC credit cards is the 25th of the next month. In other words, your consumption amount for the current month must be repaid before the 25th of the next month.

2. Billing date and maximum interest-free period

Pay with your card on the first of every month. In that case, your interest-free repayment period will be 31 days in the current month and 25 days in the next month. One day is 56 days.

All ICBC credit card repayment dates and statement dates are the same.

Card usage policy

No annual fee policy: Swipe the card 5 times for the Standard Gold Card to waive the annual fee for the following year.

Cash withdrawal handling fee: There is no handling fee at local teller machines.

Multiple account management: independent quota, independent billing day, and independent repayment.

Online payment: You need to go to the bank counter to activate it first.

Instalment business: Supports interest-free installments (3, 6, and 12 installments) from specific merchants. After spending more than 600 yuan in RMB, 600 Hong Kong dollars, 100 US dollars, and 100 euros, you can apply for free installments (3, 6, 9, 12, 18, 24 installments) by phone. Each installment will have different procedures depending on the number of installments. fee.

Billing date: The 1st of each month is the billing day and cannot be changed.

Card categories: regular card (limit of 0-20,000 yuan), gold card (limit of 10,000-50,000 yuan), platinum card (limit of more than 50,000 yuan).

This ends the introduction to the credit card billing number and the Bank of China credit card billing number. Have you found the information you need?