Whether the card is swiped on the credit card statement day is counted as the current month or the next month, it depends on the situation. For example, Agricultural Bank of China, China Construction Bank, Postal Savings Bank, etc., since the consumption is recorded on the same day, the card swipe on the bill day will be included in this month's bill. For Industrial and Commercial Bank of China, China Merchants Bank, Bank of Communications, etc., if the consumption on the same day is recorded in the account the next day, then the credit card swiped on the billing day will be included in the next month's bill. The consumption on the billing day is immediately recorded into the account on that day, so the consumption on the credit card billing day belongs to the current bill. In this case, the money must be repaid before the current repayment date. If the consumption on the billing day is not recorded immediately on that day, it will be counted on the next billing day.

1. What is a credit card statement date?

The credit card statement date refers to the day when the card-issuing bank regularly summarizes the various transactions and expenses that occurred in the cardholder's credit card account every month, calculates the interest, and calculates the cardholder's repayment for the current period. date. The credit card repayment date is the date when the cardholder actually repays the credit card account to the bank.

Generally, the billing date of bank credit cards is designated and cannot be modified. For example, if the billing date is the 10th, then consumption after the 10th will enjoy a longer interest-free period. For example, consumption on the 11th will Enter the bill on the 10th of the next month, and the repayment period will come in about 20 days (you can enjoy a total of 50 or 56 days). At this time, you will enjoy the longest interest-free period; if you make a purchase on the 10th, enter the bill on the same day. Bills need to be repaid after 20 days, which is the shortest interest-free period; so when making purchases, try to choose recent purchases after the 10th, so that you can enjoy a longer interest-free period.

The interest-free period for credit card repayments starts from the bank’s debit date to the final repayment date. The debit date is the day when the cardholder swipes the card for consumption, and the final repayment date is when the cardholder should repay the money. The date is usually 20 or 25 days after the bill date. During the interest-free repayment period, as long as the amount due for the current period (the total amount owed) on the current statement is repaid in full, you do not need to pay any interest on the funds advanced by the bank to the store for non-cash transactions (cash advance loan). will not enjoy the interest-free discount).

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