Don't you have to return the newly applied credit card in the first month? In fact, users only need to pay attention to the bill date and repayment date when returning credit card arrears. As long as there is a consumption record on the billing date, the user must return it on the repayment date. When users use credit cards, it is best to determine the billing date and repayment date of the credit cards they use.

Usually, the repayment date is about 15 days after the bill date, and different banks have different regulations. For example, if the billing date is 10, then the repayment date is 25th. Usually, users can enjoy the longest interest-free period when swiping their cards on the second day of the billing date, and the shortest interest-free period when spending on the day before the billing date. Different banks have different regulations on the consumption bookkeeping on the bookkeeping day.

Daily credit cards must be returned on time after use. If you can't return it on time, you can use the installment repayment provided by the bank, but you must meet the conditions stipulated by the bank when you use it. When you handle the installment, you can determine the number of installments according to your income. The fees for different installments are different. It is worth noting that it can be returned in advance after installment repayment.

When using installment repayment, you should meet the minimum consumption limit stipulated by the bank and choose the number of installments according to your income. In addition, it can be returned in advance after the installment, which can save the cost of renewal. It is worth noting that when the credit card cannot be returned on time, you can borrow money from friends around you to avoid overdue.

It is worth noting that the overdue repayment of credit cards will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans. Moreover, after the arrears are returned, this overdue record will be recorded in the credit report for 5 years, and will automatically disappear after 5 years. If not, it will continue to be recorded in the credit information.

In order to ensure that the credit card is returned on time after use, users should know what kind of income to return when using the credit card. Usually, the monthly consumption limit of credit cards does not exceed 50% of the individual's monthly income to ensure timely return. Users can borrow money from friends around them, and then pay them back when they haven't paid yet.