The repayment date must be completed before the repayment date, otherwise the credit will be affected.
The due date of credit card repayment refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.
The credit card will be repaid on the same day as the billing date, and the repayment will be calculated on the same day. The consumption on the credit card billing date will be included in the next bill.
Credit card billing date means that the issuing bank regularly collects and settles the current transactions and expenses of the cardholder's credit card account every month, calculates the total amount owed by the cardholder and the minimum repayment amount in the current period, and mails the statement for the cardholder. This date is the billing date of the credit card.
For example, the cardholder's credit card bill date is 1, and the due repayment date is 20th. Cardholders spend money by swiping their cards on1October 5th, 2nd and 23rd. 165438+. At this time, the bank will collect and settle the cardholder's expenses on 1 February 1 day, and send the statement by SMS.
Since the billing date usually indicates the billing date, the billing data ends at 23:59:59 the night before the billing date. That is, the consumption starting at 0: 00 am on the billing day will be included in the next bill.
Repayment method
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
If all the payable amount is repaid before the final repayment date (inclusive), you can enjoy the interest-free service of credit card consumption (excluding cash withdrawal). The longest interest-free repayment period is 50 days and the shortest is 20 days (except for business cards and rebate cards); Consumption on the day of billing enjoys the shortest interest-free period, and consumption on the next day of billing enjoys the longest interest-free period.
For example, on the third billing day, the third consumer only has 20 days interest-free period, and the fourth consumer enjoys the longest interest-free period.