Which bank's credit card has a long interest-free period

1. Most banks have a longest interest-free period of 50 days. Currently, the longest interest-free periods are: Bank of Communications and Industrial and Commercial Bank of China. , Agricultural Bank of China, etc., the interest-free period can be up to 56 days. The longest interest-free period for China Merchants Bank credit cards is 50 days, and the interest-free period ranges from 20 to 50 days depending on the time when the card is swiped.

The interest-free periods of major banks are as follows, unit (day):

Industrial and Commercial Bank of China 25-56; Agricultural Bank of China 25-56; Bank of Communications 25-56; Bank of China 20-50 ; China Construction Bank 20-50; Postal Savings Bank 20-50; China CITIC Bank 20-50; China Merchants Bank 20-50; China Everbright Bank 20-50; Industrial Bank 20-50; China Minsheng Bank 20-50; Ping An Bank 20-50; Hua Xia Bank 25-56; Rural Commercial Bank 25-56.

Extended information:

The maximum interest-free period of a credit card is 56 days, that is, after a card payment is made, it can be repaid up to 56 days later. If related Internet financial products are used together, the interest-free period can also be extended.

Currently, some Internet companies on the market have launched interest-free products with a credit period, such as JD Baitiao, "Huabei", etc. These types of credit loan products have a certain interest-free period, such as JD.com The longest interest-free period for Baitiao is 30 days, and the longest interest-free period for Huabei is 41 days. If these products are combined with a credit card, it is possible to get the longest interest-free period.

Among them, JD Baitiao can be repaid using credit cards, while Huabei can currently only use debit cards, Alipay balance and Yu'E Bao to repay. Therefore, if you calculate the time well, the interest-free period of the credit card and the interest-free period of JD Baitiao are superimposed, and in the best case, you can enjoy an 86-day interest-free period.

China Merchants Bank Credit Card Home Page—Interest-Free Period

Baidu Encyclopedia—Credit Card Interest-Free Period

People’s Daily Online—Smart Credit Cards Can Increase the Interest-Free Period

Which bank has the longest interest-free repayment period for credit cards?

Bank of Communications and ICBC have the longest interest-free repayment period for credit cards. The repayment date is the 25th day after the bill date. The specific interest-free period is calculated based on the consumption date and bill date. 1. Credit card purchases generally have the shortest interest-free period for purchases made on the day of the statement; 2. purchases made one day after the statement date have the longest interest-free period; for example: Bank of Communications credit card statement dates are on the 20th of each month. The repayment date is the 15th of each month, so if the consumption on July 20th belongs to the July 20th bill, the payment must be made before August 15th, so that the interest-free period will be the shortest; if it is July If the purchase is made on the 21st, it will belong to the bill of August 20th, and should be repaid before September 15th to enjoy the longest interest-free period.

The interest-free period of each bank's credit card

The interest-free repayment period refers to the interest-free period from the bank's accounting date to the due repayment date. There are two ways to set the interest-free period. One is that the bank clearly stipulates a certain day of each month as the interest-free repayment deadline. The interest-free period is the date between the bank’s accounting date and the deadline; the other is that the card holder People choose a billing date based on their needs, and then set the latest repayment date based on the billing date. Then the interest-free period is the date between the bank accounting date and the latest repayment date.

1. Bank of China

The longest interest-free period for Bank of China credit cards is 50 days, and the repayment date is 20 days after the bill date. The bill date is fixed, and the repayment date is not fixed (divided) Big and small months). The billing date of a Bank of China credit card can be adjusted once every calendar year, provided that the bill must be paid off in full.

2. Agricultural Bank of China

The longest interest-free period for Agricultural Bank of China credit cards is 56 days, and the repayment date is 25 days after the statement date. The repayment date is not fixed (divided into small and large months). The billing date is given by the system and cannot be adjusted.

3. Industrial and Commercial Bank of China

The longest interest-free period for ICBC credit cards is 56 days, and the repayment date is 23 days after the statement date (a 30-day month is used to calculate the repayment date). fixed. The billing date can be adjusted once a year, and can be adjusted by phone or ICBC app.

4. China Construction Bank

The longest interest-free period for CCB credit cards is 50 days, and the repayment date is 20 days after the bill date. The repayment date is now fixed, and it lasts for one year. You can modify the billing date once. If the billing date changes, the repayment date will change accordingly.

5. Bank of Communications

The longest interest-free period for Bank of Communications credit cards is 56 days, and the repayment date is 24 days after the bill date. The repayment date is fixed and will not change with the month. The billing date can be adjusted, but it can only be adjusted once within the validity period of the card.

6. China Merchants Bank

The longest interest-free period for China Merchants Bank credit cards is 50 days, and the repayment date is 18 days after the statement date (any excess is calculated as 30 days). China Merchants Bank's credit card swipes and repayments are not credited until the next day. If you need to pay attention, it is best to make the repayment one day in advance. In addition, the billing date of China Merchants Bank can be adjusted, but it cannot be adjusted again within six months after a single adjustment.

7. China Guangfa Bank

The longest interest-free period for Guangfa Credit Card is 50 days, and the repayment date is 20 days after the statement date (counted as 31 days if it spans a month), such as the 21st It's the billing day, and the repayment date is the 9th of the following month. GF’s Platinum Card allows you to adjust the billing date once a year. Ordinary credit cards cannot be adjusted.

8. China CITIC Bank

The maximum billing date for CITIC credit card is 50 days, and the repayment date is not fixed and is 19 days after the billing date. The CITIC Bank credit card statement date can only be modified once every six months. The modification range must be from 1 to 20 (inclusive) and should not be more than 8 days before or after the original statement date. The modification will take effect the following month.

9. The maximum interest-free period for Industrial Bank Industrial Credit Card is 50 days, and the repayment date is not fixed and is 20 days after the bill date. The billing date can be adjusted twice a year.

10. Ping An Bank

The longest interest-free period for Ping An Bank credit cards is 50 days, and the repayment date is fixed, which is 18 days after the bill date, and will not change with the month. The billing date can be adjusted, and the adjustment interval is half a year.

Which banks’ credit cards have a longest interest-free period of 56 days?

Which banks’ credit cards have a longest interest-free period of 56 days?

The credit cards with the longest interest-free period include Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, Bank of Communications, Bank of Nanjing, and Bank of Ningbo.

General joint-stock banks provide cardholders with an interest-free period of 50 days. For example, joint-stock commercial banks such as Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, CITIC Bank, and Ping An Bank have the longest interest-free period. The period is 50 days.

For example, if the card is swiped at Ping An Bank on November 2, the repayment date will be December 21, with an interval of 50 days.

The "interest-free repayment period" of many bank credit cards is not the absolute value of the card consumption date plus 50 days, but is calculated based on the number of days between the consumption date and the statement date. It is precisely because the dates of each month vary from 30 to 31 days, there may be corresponding changes.

I would like to remind everyone that you can enjoy the longest interest-free repayment period by swiping your card within the shortest time after the bill. The closer the bill is, the shorter the interest-free repayment period you will enjoy. .

That’s it for the introduction of which credit card bank has the longest interest-free period.