1. Credit card bill: The date when the bank mailed the credit card bill is your credit card bill. Your credit card issuer will regularly summarize and settle the current transactions and expenses in your account every month, calculate the total amount owed and the minimum repayment amount in the current period, and then mail the current bill to you. Simply put, the bank tells you the details of your credit card consumption and the consumption in the past month.

2. Repayment date: the repayment date is the date used to repay the repayment amount listed in the bill. The length of time is generally around 25 days after the bill date, and the specific time varies from bank to bank.

The difference between billing date and repayment date:

1. In general, the bill will be paid off before the final repayment date, preferably in full.

2. If there is no full repayment, at least the minimum repayment amount should be paid;

The difference lies in your debt ratio.

For example, a credit card with a credit limit of 10000 will spend 9000 yuan before the 20th, and the bill will show 9000 yuan to be repaid, which means that the debt ratio of your card is 90%, which is not conducive to credit card withdrawal, loans, etc. Credit card withdrawal generally controls the debt ratio within 30%.

How to check the credit card statement?

1, telephone enquiry

The traditional method is to use customer service telephone to inquire. We dial the customer's phone number, enter the card number, expiration date and other information of the credit card according to the prompt, and then we can directly query our bill.

2.QQ customer service inquiry

At present, many banks have their own QQ customer service. We can find the customer service of XX Bank in QQ service, and then click the corresponding function key according to the prompt to directly query the bill to be queried.

3. WeChat query

Using WeChat customer service to check bills, major banks basically have their own WeChat customer service. If you use WeChat to query, Bian Xiao thinks it is the most convenient, because WeChat is basically used by everyone, just pay attention to it and bind it.

4. Application query

Use the APP of the bank credit card itself for bill inquiry. Many banks have their own official apps. Let's go to the APP Store or the major Android markets to download, and then bind the credit card, so we can directly check the bill.