Yes. The repayment date is calculated based on the billing date. As long as the billing date is modified, the repayment date will also change. Users can apply to the account opening bank to change the billing date, but the billing date can only be changed once a year. The repayment date of a credit card is generally not determined by oneself, but is randomly assigned by the card-issuing bank system. Different credit cards from different banks have different repayment dates.

Can overdue users apply for bank cards?

Yes. The handling bank will not check the personal credit report. When the user is overdue, he should repay the debt as soon as possible. Otherwise, it will affect the bank's evaluation of the user and cause the user to be unable to apply for credit business. Not only that, users maintain good business relationships with banks, which is conducive to users handling credit business. For overdue debts, overdue records will be kept in the credit report within 5 years after repayment. After 5 years, the overdue records will be automatically deleted.