The repayment date of a credit card refers to the latest date stipulated by the issuing bank that the cardholder should repay the full repayment or the minimum repayment amount. The due repayment date is the date after the bank generates the bill, plus the interest-free repayment days.

For credit card non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.

During this period, as long as you pay off the current payable amount on the current statement, you don't have to pay any interest on non-cash transactions (you don't enjoy interest-free discount if you borrow cash in advance).

Repayment method

In 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.

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Transfer/remittance repayment is 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.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Counter repayment 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 host system of UnionPay Trading Center.

Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees 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.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

How to calculate the repayment date of credit card?

1. Credit cards generally spent on or before the billing date are included in the current bill and should be repaid before the repayment date after the current bill date, with the shortest interest-free period.

2. Consumption made on the day after the bill date is included in the next bill and should be repaid before the repayment date after the next bill date, with the longest interest-free period;

The interest-free repayment period of credit card is 50 days, which is the same for every bank in China.

4. According to the accounting date and consumption date, the calculation method and time are not fixed.

Extended data

Establish a good record

(1) When using a credit card, you need to know the repayment date and billing date of the credit card. Customers are advised to pay back on time on the repayment date after overdraft by credit card.

(2) Repay the overdraft in time to avoid the formation of bad credit records. In the long run, good credit card transactions and repayment behaviors are conducive to establishing a good personal credit record.

(3) For ordinary customers, holding 2-3 credit cards can basically meet the demand. For credit cards that have not been used for a long time, the account should be cancelled in time to reduce the risk of losing the card and avoid the formation of bad records due to the failure to pay the annual fee in time.

(4) Don't lend your credit card to others. Credit is priceless. Don't base your personal credit on trust in others.