How to calculate the repayment date of ICBC's credit card

The repayment date of ICBC's credit card is calculated according to the billing date. ICBC has added 19 billing days, which are 8-26 respectively. You can adjust the billing day to any specified day according to your personal preference, but you can only apply for adjustment once a year.

Expanding knowledge:

The due repayment date of a credit card refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. That is to say, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date. In fact, the due repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free, and interest and late fees will be charged if it is overdue. For each bank, the interest-free repayment period is different. The due repayment date is also called the final repayment date. If you don't repay in full before the due repayment date and you don't choose the minimum repayment amount by credit card, then you may face the following penalties:

1. All consumption funds will no longer enjoy the interest-free repayment treatment, and the bank will calculate the interest on a daily basis with the consumption amount as the principal from the day when the consumption occurs, with a daily interest rate of five ten thousandths and compound interest on a monthly basis;

2. Receiving a call and a letter from the bank;

3. Freeze your account and feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit; If you really don't have enough money to repay in full on the due repayment date, please choose the minimum repayment amount of the credit card, and only 1% of the total cost will be repaid in this way, so that although there is no interest-free repayment period, personal credit will be avoided. Bad personal credit records have many effects, of course, the most important one is the future economic life, not only the rejection of loan applications, but also restrictions on travel. The influence of the blacklist of credit records mainly includes the following aspects:

1. It is impossible to apply for loans in banks, companies and other financial institutions. Not only do you want to start a business with a loan, but it is futile. Even applying for a mortgage or car loan will be rejected.

2. You can no longer apply for a credit card. If personal credit has a bad record, it is impossible to get another credit card for personal daily consumption. It's the same in all banks, because all banks can find your credit records.

3. Affect personal travel. If the personal credit record is blacklisted, for example, there is a malicious default on bank loans, and the bank. It will cause borrowers to be unable to fly and stay in star-rated hotels.

ICBC credit card repayment date

This is not certain.

At present, ICBC credit card billing date and repayment date have the following options, and cardholders can choose billing date and repayment date according to their personal convenience.

billing date: 1st, repayment date: 25th; Billing date: 8th, repayment date: 1st of the following month; Billing date: 9th, repayment date: 2nd of the following month; Billing date: 1th, repayment date: 3rd of the following month; Billing date: 11th, repayment date: 4th of the following month; Billing date: 12th, repayment date: 5th of the following month; Billing date: 13th, repayment date: 6th of the following month; Billing date: 14th, repayment date: 7th of the following month; Billing date: 15th, repayment date: 8th of the following month; Billing date: 16th, repayment date: 9th of the following month; Billing date: 17th, repayment date: 1th of the following month; Billing date: 18th, repayment date: 11th of the following month; Billing date: 19th, repayment date: 12th of the following month; Billing date: 2th, repayment date: 13th of the following month; Billing date: 21st, repayment date: 14th of the following month; Billing date: 22nd, repayment date: 15th of the following month; Billing date: 23rd, repayment date: 16th of the following month; Billing date: 24th, repayment date: 17th of the following month; Billing date: 25th, repayment date: 18th of the following month; Billing date: 26th, repayment date: 19th of the following month.

: The billing date and repayment date of ICBC's credit card can only be modified once within the validity period of the card. The cardholder can directly call the customer service phone of the bank to apply, or he can bring his/her valid personal certificate and card to the counter of ICBC's outlets.

ICBC's credit card billing day can be simply understood as the billing day. This day will summarize all the overdrafts of the cardholders in the last consumption cycle, so that you can know how much you spent and how much you need to return. ICBC's different credit card bills are different.

the repayment date of ICBC's credit card means that the cardholder will return all the consumption quotas summarized on the billing date on this day. Generally, the repayment date is about 2 days after the billing date comes out, and the repayment date is fixed, which will not change because of one more day or one less day in the month, but the billing date and repayment date can be changed.

when changing the billing date and repayment date, the repayment date is generally changed to 2-3 days after the salary is paid, so that the cardholder will have enough money to return the credit card bill on the repayment date. If repayment is difficult, the cardholder can use installment repayment or minimum repayment amount.

It should be noted that ICBC's credit card has no grace period for repayment. You must remember to repay on time when you usually repay. Once the repayment date is exceeded, it will be counted as overdue. Overdue records will be uploaded to the credit information center, which will have an impact on personal credit information.

how to determine the billing date and repayment date of ICBC's credit card?

the billing date and repayment date of each person's ICBC credit card are different, but it is clear that the repayment date is 25 days after the billing date.

generally, when you get a credit card for the first time, the bank will indicate the billing date in the letter to your customer. If your billing date is the 11th of this month, your repayment date will be 25 days after the 11th, that is, the 4th of the following month.

in addition, you can determine your specific billing date through ICBC APP, calling ICBC customer service phone or the bill sent to you by ICBC every month.

Generally, users can go to Eagle Heart to get a personal credit big data report, check the loan record, whether it is overdue, whether it has been blacklisted, and so on.

Extended information:

The repayment date of ICBC's credit card is fixed and does not change with the month. ICBC Credit Card has 2 repayment dates for cardholders to choose from, namely the 1st-19th and 25th of each month. The corresponding relationship between ICBC credit card billing date and repayment date is as follows:

billing date is the 1st of each month, and repayment date is the 25th of this month;

billing date is 8th of each month, and repayment date is 1st of next month;

billing date is 9th of each month, and repayment date is 2nd of next month;

billing date is 1th of each month, and repayment date is 3rd of next month;

billing date is 11th of each month, and repayment date is 4th of next month;

billing date is 12th of each month, and repayment date is 5th of next month;

billing date is 13th of each month, and repayment date is 6th of next month;

billing date is 14th of each month, and repayment date is 7th of next month;

billing date is 15th of each month, and repayment date is 8th of next month;

billing date is 16th of each month, and repayment date is 9th of next month;

billing date is 17th of each month, and repayment date is 1th of next month;

billing date is 18th of each month, and repayment date is 11th of next month;

billing date is 19th of each month, and repayment date is 12th of next month;

billing date is 2th of each month, and repayment date is 13th of next month;

billing date is 21st of each month, and repayment date is 14th of next month;

billing date is 22nd of each month, and repayment date is 15th of next month;

billing date is 23rd of each month, and repayment date is 16th of next month;

billing date is 24th of each month, and repayment date is 17th of next month;

billing date is 25th of each month, and repayment date is 18th of next month;

the billing date is 26th of each month, and the repayment date is 19th of next month.

if the cardholder needs to modify the repayment date, he can call the ICBC customer service hotline 95588 or apply at the ICBC outlet, but it should be noted that the repayment date can only be adjusted once a year.

The billing date of ICBC's credit card is 17th, so how to calculate the repayment date

The 25th day after the billing date of ICBC's credit card is the repayment date, the billing date is 17th, and the repayment date is 12th of the following month.

Credit cards should be repaid according to the billing date and repayment date:

1. If the consumption on or before the billing date belongs to the current bill, it should be repaid before the repayment date after the current bill;

2. The consumption after the billing date is included in the next bill, which can be repaid before the repayment date after the billing date.

the repayment date of ICBC's credit card is fixed and does not change with the month. ICBC Credit Card has 2 repayment dates for cardholders to choose from, namely the 1st-19th and 25th of each month.

if the cardholder needs to modify the repayment date, he can call the ICBC customer service hotline 95588 or apply at the ICBC outlet, but it should be noted that the repayment date can only be adjusted once a year.

Extended information:

Precautions for credit card repayment:

1. How much is the bill? Pay it back exactly, even a few cents.

2. If you can't repay in full, then apply for installment repayment.

3. Pay back on time, and you can automatically pay back by binding the bank card to ensure that there is enough money in the bank card at any time.