For example, the latest repayment time of Everbright Bank's credit card is the repayment date of 21; Latest repayment time of China Construction Bank 17: latest repayment time of Huaxia Bank 19: latest repayment time of China Bank is 20 o'clock.
However, at present, bank credit cards have a grace period, so even if the latest repayment time is exceeded, it doesn't matter as long as the repayment is made within the grace period, which will not affect the credit investigation.
Extended data:
Credit card repayment date change:
The repayment date of a credit card generally depends on the billing date of the credit card, which is basically not the 20th day after the billing date, nor the 25th day after the billing date. Therefore, to change the repayment date of the credit card, just change the billing date of the credit card.
Different credit cards have different billing dates, because billing dates are generally randomly assigned by the system. And some bank credit cards can change the billing date, while others can't. You must confirm this before you change money.
If you want to change it, call the customer service hotline of the bank where the credit card belongs and ask the customer service staff to change it for you. If the billing date is changed, the repayment date will naturally change. Some banks can also apply for revision on the credit information app, but the billing date of the credit card can only be revised once every six months or once a year.
Credit card application conditions:
The credit card application conditions of all banks are similar, and the basic application conditions are as follows:
1, applicant's age
The main card applicant must be 18 years old or above, but the maximum age limit of each bank is different. For example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are all 60 years old. Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.
Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.
2. Personal economic strength
Applicants should have a stable job and legal income, and have certain repayment ability.
3. Credit information
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
Too many credit card applications will affect:
First of all, credit reports are too expensive.
If you keep applying for a credit card, because every time you apply for a credit card, the bank will check the credit, so this will lead to too many credit records. Once the credit is spent, it will be affected to apply for a credit card or loan in the future.
Second, the burden is heavy and difficult to manage.
If you apply for too many credit cards, because you hold too many credit cards, the annual fee will accumulate, causing a great burden. Moreover, it is not easy to manage multiple credit cards. In particular, the repayment time of each card may be different, and it is easy to overdue the repayment due to negligence.
Third, the total credit line is high.
Too many credit card applications will lead to too high total credit line, while the total credit line of an individual in a bank is limited, so too many credit card applications will also affect the subsequent card application to a certain extent, and may also lead to too low credit card line applied for later.
Fourth, the liquidity is convenient.
Although too many credit card applications may have many bad effects, too many credit card applications will also facilitate your capital turnover. If one credit card is not enough, you can use multiple credit cards for transactions.