In the setting of billing date and repayment date, it is suggested that the cardholder set the repayment date a few days after the salary payment date, so that there will be enough funds to repay, especially for some moonlight families, don't set the repayment date before the salary payment date to avoid the embarrassing situation of no money to repay.
The repayment date of credit card is generally 18-26 days after the bill date, which varies from bank to bank. After successful revision, it will generally take effect from the next issue.
At present, most banks offer a variety of billing date choices, but the usual frequency is set to be changed twice a year by Industrial Bank, once every six months by China CITIC Bank and China Merchants Bank, and once a year by banks such as ICBC, BOC and CCB.
Extended data:
Credit card 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. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. 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.
4. 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.
5. Convenience store repayment
This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.
6. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Xinfutong Repayment
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
8. Repayment Pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
9. Other ways
In addition to the above methods, the issuing bank has also opened its own repayment method, which is convenient for cardholders to repay.
References:
Baidu encyclopedia-credit card