There are three ways to change the credit card repayment date:
1. Bring your credit card and ID card to the bank counter to handle it yourself;
2. Call the bank’s customer service hotline and choose manual service for processing;
3. Send a text message to the bank to process
It is recommended to choose to call the manual customer service hotline or send a text message to the bank for credit card processing Apply to change the repayment date, because this can save you the time of driving to the bank and queuing up to get a number at the bank, which is more convenient and fast. Just provide customer service with your card number and ID number. Generally, the newly applied repayment date will take effect in the next loan period after application.
Extended information:
1. Different banks have restrictions on the number of changes, which means you can’t change it as many times as you want, such as industrial and commercial banks. Banks such as Bank of China, China Construction Bank, and Shanghai Pudong Development Bank only allow changes once a year, while banks such as China Merchants Bank and China CITIC Bank allow changes once every six months. Banks such as Bank of Communications only allow changes once within the valid period of use of the credit card. .
2. Banks generally adopt the rules of selecting the repayment date for repayment date change applications, which means that banks will only stipulate certain days of the month as credit card repayment dates, not every day, so you You can't just decide on any date you want, but you have to choose according to the date provided by the bank. Moreover, different banks have different credit card repayment dates. You can consult the relevant bank for these.
3. In order to obtain a longer interest-free period, you can apply one day before the original credit card repayment date, and set the day before the application date as the repayment date for the new loan period. This can maximize benefits and is the best choice for many large borrowers.
In short, it is now very easy and convenient to apply for a credit card repayment date change. You only need to understand the policies and regulations of the relevant bank in advance, and then apply directly.
Reference material: Baidu Encyclopedia - Credit Card Repayment