Consumption has an interest-free period and will be paid back next month. China Everbright Bank is on the 27th of next month.
This cash withdrawal number 15 will appear in the bill on the 8th of next month after the bill date of this month, so it can be returned before the 27th of next month without additional interest.
Example: China Everbright Bank Credit Card, with a billing date of 2 days and a repayment date of 27 days.
Cash withdrawal/consumption after April 2nd shall be recorded on the billing date of May 2nd and the repayment date of May 27th.
Cash withdrawal/consumption before April 2nd shall be recorded on the billing date of April 2nd and the repayment date of April 27th.
If the information says that the balance is insufficient, it is estimated that the relevant card is generally a debit card, indicating that the arrears are not enough. In addition, pay attention to interest and handling fee, so interest and handling fee are owed. Credit card withdrawal is generally repaid within 20 days after the next bill date. The billing date of ICBC is generally the first day of each month, and the repayment is made before the 25th of each month.
The general repayment order of deferred materials is: firstly, various expenses (including cash withdrawal fee, annual fee, loss reporting fee, production fee, etc.). ) and interest (late fees, over-limit fees, withdrawal interest, consumer interest, etc.). );
The second is the principal of the previous cash withdrawal transaction, the previous consumption principal, the current cash withdrawal transaction principal and the current consumption principal; Even if the overdraft is returned within two days after cash withdrawal, the system will first be used to repay various expenses incurred in the previous period.
Credit card withdrawals do not enjoy the interest-free period, and banks have to charge a one-time handling fee of 0.5% to 3% of the withdrawal amount, which is equivalent to 0.05% of daily interest and 18.25% of annual interest.
Reference Baidu Encyclopedia-Credit Card Repayment