Whether the credit card consumption in the current month needs to be repaid in the current month mainly depends on the customer's consumption date and when the billing date and repayment date of the card are. For example, the bill date of a credit card held by a customer is the 5th of each month, and the repayment date is the 25th of each month. Consumption before 18:00 on the bill date is recorded in the current bill. The customer's consumption before 18:00 from the 1st to the 5th is recorded in the current bill, and the customer needs to repay before the 25th of the month (inclusive). However, the customer's consumption after 18:00 on the 5th will be recorded in the next bill. However, the customer's consumption after 18:00 on the 5th will be recorded in the next bill and paid on the 5th of the next month. Customers only need to repay before the 25th of the next month (inclusive), and no repayment is required that month.

Can I apply for repayment next month with a credit card?

Generally speaking, credit card repayments do not necessarily have to be repaid in the same month, but are related to the length of use of the credit card. For example, if money is spent on a bill, it must be paid back that month. Items purchased after the billing date will be charged to the next bill and payable the following month. In this case, there is no need to apply to the bank. If you really don’t have the payment for the current month and want to defer the payment to the next month, you can apply for bill installment payment. You only need to repay the unpaid portion of the current month, and start paying the down payment next month, which can alleviate the repayment pressure to a certain extent.