How to set the billing date of four credit cards? Teach you how to operate by hand

A card friend came to consult and said that he had four credit cards in his hand and wanted to know how to set up a billing statement. As we all know, the billing date of a credit card determines the repayment time. There are many credit cards in hand, so it is best to stagger the billing date, so there will be more repayment buffer period. Let's take a look.

how to set the billing statement of 4 credit cards?

as mentioned earlier, the billing date of a credit card determines the repayment time, especially if there are multiple credit cards in hand. If the billing date is compact and the repayment time is similar, it will bring greater pressure to the cardholder, so it is best to stagger the billing date of multiple credit cards.

as for how to set the billing statement, here are four credit cards as an example to briefly introduce.

usually, after the credit card is issued, the bank will arrange the billing date, and the first thing we need to do is to list the billing date of the four credit cards on a piece of paper, and then see which days are close to the first, middle and late months of each month, and it is best to classify them according to 1~1, 1~2 and 2~3.

if the billing date of each of the four credit cards is between four stages, don't reset it. If there are several credit cards with similar dates, this one needs to be revised. You can call the issuing bank to see which billing date can be modified and record it after the original billing date.

Finally, compare the original billing statements of all credit cards with the optional billing statements, and select the dates between the four stages with a relatively long interval.

For example, the final billing date of four credit cards can be like this, or the dates are close:

The first card: billing date 1;

the second card: the 1th billing date;

third card: 2th billing date;

fourth card: 3th billing date.

What is the most reasonable setting for two credit card billing statements

You can set it according to the following methods. The first billing date is set to the 12th, and the second billing date is set to the 27th. After setting, the first card will be spent from 13th to 27th, and the second card will be spent from 28th to 12th. Then you will find that you swipe your card in the current month, and the bill for next month will not be repaid until next month, so the interest-free period can be longer.

1. A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and the magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a specified amount.

2. The credit card stipulated by the relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the consumption payment function. Credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, which stipulated that the credit card standard credit card is generally a special carrier plastic card with a length of 85.6mm, a width of 53.98mm and a thickness of 1 mm. The front is printed with the name of the issuer, the expiration date, the number and the name of the cardholder, and the back is provided with a chip, a magnetic stripe and a signature strip. Cardholders can use credit cards to buy, consume and deposit cash in banks.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and repayment will be made on the day of receipt. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer only to credit cards. Since January 1, 21, the credit card overdraft interest rate has been determined by the issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate has been cancelled (the original upper and lower limit is .5% of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

4. The earliest credit card appeared in the late 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business departments followed this trend. However, at that time, the card could only be used for short-term commercial credit and had to be repaid at any time. You can't default for a long time, and there is no credit line. It is said that one day in 195s, American businessman Frank McNamara entertained guests in a hotel in new york. After dinner, he found that he had forgotten his wallet and had to call his wife to bring cash to the hotel. He was so embarrassed that McNamara came up with the idea of starting a credit card company. This kind of credit card that does not need to be handled by the bank belongs to commercial credit card.

how to set the billing date of two credit cards (debit cards) is the most reasonable?

the billing date of the first credit card (debit card) can be set to the 11th, and the billing date of the second credit card (debit card) can be set to the 25th. After the billing date is set, you need to start spending by credit card (debit card) from the day after the billing date. According to the above settings, the first card can be used for spending from 12th to 24th, and the second card can be used for spending from 26th to 1th. At this time, you will find that they are all used for spending by credit card (debit card) in the current month, and the bill will be issued next month, so the interest-free period will be longer.

how to adjust the credit card bill

some bank credit card bills can be modified, while some bank bills cannot be modified. For example, the 1th of each month is the billing day of Agricultural Bank of China, which cannot be changed. The billing statement currently provided by China Merchants Bank's credit card is on the 5th, 7th, 1th, 12th, 15th, 17th, 2th, 22nd and 25th of each month, and it is changed once every six months. The monthly billing date of Bank of Communications is generated with the system, which is within the validity period of the card and can be changed once, from the 6th to the 24th. The amendment of the original billing date of CITIC Bank shall be made within the first eight days or the last eight days, and shall not exceed 2 days.

1. ICBC: The modification limit depends on the region. Most cards can modify the billing date, but some business cards can only choose 1 and 12 days.

2. Bank of Communications: the card is changed once during its validity period or for life, or it is successfully modified for the second time after one year's actual measurement. You can call customer service to modify the billing statement. Once modified, you cannot change back to the original date or other dates.

3. Guangfa: once a year. Generally, the billing date is birthday, and if the birthday is 29/3/31, the system will randomly configure it as 4-28 days. You need to call Guangfa Platinum Customer Service to modify it, so you need to have a platinum card.

4. Societe Generale: Twice a year. Different card types can choose different billing dates. The optional date of new car friend card is 1-27, and the optional date of China Eastern Airlines co-branded card is 3, 7, 9, 13, 15, 16, 18, 21 and 23.

5. citic: once every six months, it can only be modified 8 days before and after the current billing date and between 1 and 2 days. for example, if the billing date is 18th, it can only be modified between 1th and 2th, so you need to call customer service to modify the billing date.

6. everbright: once every two months, you can modify the billing date in the "sunshine life" APP.

7. Pufa: Once a year, the situation that cannot be modified includes insufficient comprehensive score, unsettled installment, universal fund, etc. You can request to submit it to senior customer service for modification, and it will generally succeed.

8. People's livelihood: once a year, you can modify the billing statement through online banking or calling customer service.

9. HSBC: Both online banking and the "HSBC Credit Card Mobile Banking" APP can modify the billing date.

1. ping an: once every six months, the credit card APP can change the billing date.

11. BOC, CCB, Postal Savings, Huaxia, Beijing and China Merchants Bank need to call customer service to make corrections.

12. Agricultural Bank of China: Each card has a different billing date, so it is impossible to modify the billing date.

how to modify the billing statement of a credit card?

The method of modifying the bank credit card billing date is as follows:

1. The cardholder can make the modification by calling the customer service phone of the relevant bank credit card through manual customer service.

2. Cardholders can also bring their credit cards and identity documents to any business outlet of the relevant bank and make changes to the billing date at the counter.

3. At the same time, you can also log in to the relevant bank APP (such as Bank of China 7.1.7). First, download and log in to the China Bank APP, and then click "Finance"-"Change Bill Date" on the home page to modify it).

Precautions for credit card use:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped one day after the billing date, with the longest interest-free period, and the credit card is swiped one day before the billing date, with the shortest interest-free period.

2. Protect the information on the card surface of the credit card

The three key information on the card surface of the credit card, namely, the expiration date and the CVV code, affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade and keep those three numbers in mind.

3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount

Generally, you can avoid the annual fee if you swipe your credit card for six times. Therefore, we must brush out the annual fee. In addition, we can increase the credit card limit by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, multiple combinations are used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money.

5. If it doesn't work, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.

If your funds are temporarily unable to turn over, or the repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days.

6. What should I do if I am short of funds?

When applying for changing the billing date, I should pay attention to calculating the billing date and enjoy the longest interest-free period, so as to alleviate the pressure of financial shortage. However, this skill cannot be used every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change it once a lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on a credit card can call customer service and bargain with the customer service to apply for cancellation of unreasonable charges. If the customer service disagrees, they can insist on complaining to the end and generally win.

8. Use credit card installment with caution

The interest rate of credit card installment is very high, even if it is interest-free, the installment fee is not cheap, so use it with caution, and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except those who want to increase the credit card limit as soon as possible.

Credit card billing date modification skills

The billing date of a credit card is the date when the bank settles accounts with you. At the same time, according to the different interest-free period, the repayment date can be deduced from the billing date. So, what are the credit card billing date modification skills of banks? Below, I have collected and sorted out the modification skills of credit card bills of various banks for everyone. Welcome to read!

Skills of modifying the credit card billing date of each bank

It is still very important to plan the billing date of each bank. Now let's talk about the time when the billing date of each bank can be adjusted.

China Merchants Bank Credit Card: You can choose any date, and you can adjust the repayment date at the beginning of the month, the middle of the month or the end of the month, and the frequency is adjusted once every six months;

ICBC Credit Card: One card of ICBC can only be adjusted once in a lifetime, and the repayment date in Guangzhou can only be adjusted between the 1st and 5th;

everbright credit card: everbright bank can adjust the billing date and repayment date only after paying off all the debts under everbright's name in full, and it can only be modified once a year;

CITIC Credit Card: The billing date of CITIC Bank can only be selected from the 1st to 16th, and the repayment date is pushed back by 19 days, which can only be modified once in half a year;

Ping An Credit Card: Generally, the billing date can be a multiple of 5, the repayment date is pushed back by 18 days, and it can be revised once every 6 months;

Credit card of Guangzhou Rural Commercial Bank: At present, the billing date adjustment project has not been opened, and the fairy can't modify it;

Huaxia bank credit card: the billing date can only be selected from 3, 8, 11, 15, 18, 21, 25 and 28, and the repayment date is pushed back for 2 days, and it cannot be changed if there are installments;

China bank credit card: the billing date can be selected from 7, 8, 9, 1, 12, 14, 15, 17, 19, 21, 23, 24, 25, 26 and 27, and the repayment date is pushed back for 2 days;

credit card of guangfa bank: according to the system, the billing date can only be selected from the 12 days of 6th, 7th, 8th, 12th, 13th, 14th, 23rd, 24th, 25th, 26th, 27th and 28th, and can only be modified once a year.

I understand the rules for major banks to modify the repayment date. Card friends should act quickly. However, I remind you that it is best not to set the billing date of different credit cards on the same day to avoid excessive repayment pressure. The best way is to set the billing date of several cards in different periods of a month on average, such as one in the early, one in the middle and one in the late, which is more conducive to the management of funds.

ps: You can delay repayment for up to 1 days on the day of account change!

credit card usage skills

frequent card swiping

In daily life, it is best to get into the habit of swiping your card whenever you can. On the one hand, you can enjoy an interest-free period in the bank and add a little extra wealth management income to yourself. On the other hand, you become an active user of the bank invisibly. Usually, the bank will reward the active users of the bank with a quota.

The consumption amount is high

The continuous and stable consumption time is long

Generally, the bank will take the initiative to withdraw the credit card and the bank's withdrawal strategy for cardholders who have spent more than one year and have transactions every month in each bill. If the customers take the initiative to apply for permanent withdrawal, the chances of bank approval are relatively high.

frequent cash withdrawals

For banks, cardholders who frequently withdraw cash by credit card have a very high risk coefficient, but at the same time, cardholders who withdraw cash also have the highest contribution to the bank; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate will be high when applying for credit line withdrawal.

threat of card cancellation

In the era of credit card jockeying, if the customer service staff receives an application for card cancellation, they will often beg in every way, ask the reasons, and then give encouragement such as cash withdrawal and gifts. However, for some state-owned banks or joint-stock banks with large card issuance, this method has gradually fallen behind and the success rate is very low.

Finally, we should remind cardholders that a high credit card can't represent everything. As long as it can meet personal consumption needs, it can be used normally. Cardholders should develop a good habit of using their cards, use their cards according to their personal consumption ability, and don't spend it indiscriminately.

Credit card repayment skills

Before credit card repayment, you must know:

1. Change the repayment time of credit card to three days after the pay day

In general, credit cards