A very important reason why credit cards are loved by everyone is that they advocate spending first and then repaying, and they have an interest-free period. Due to different bank policies, the interest-free period is different. Today, I will introduce you to the interest-free time and tolerance services of several major banks.
I. Bank Credit in China
Repayment method: repayment by card;
Interest-free period: generally 20 days;
Grace period: 3 natural days, 9 natural days for Platinum Card;
Tolerance amount: 65438+ 0% of the bill amount.
2. China Industrial and Commercial Bank Credit Card
Repayment method: repayment by card;
Interest-free period: generally 25 days;
Tolerance grace period: ICBC credit cards generally do not enjoy the tolerance grace period, and only personal cards enjoy the grace period of 3 natural days;
Amount of tolerance: only the unpaid part will be punished.
Third, the construction bank credit card
Repayment method: repayment by card;
Interest-free period: generally 20 days;
Tolerance grace period: 5 natural days;
Tolerance Amount: No tolerance amount service.
Fourth, the Agricultural Bank credit card.
Repayment method: repayment by card;
Interest-free period: generally 25 days;
Tolerance grace period: 2 natural days;
Tolerance amount: Puka 100 Yuan, Gold and Platinum Card 200 yuan.
Verb (abbreviation of verb) Minsheng Bank Credit Card
Repayment method: repayment by household;
Interest-free period: generally 20 days;
Tolerance grace period: 3 natural days;
The interest-free period of credit card repayment and the time tolerance service enjoyed are all said in this way. I hope it works for you.
Which banks have the longest interest-free period for credit card repayment for more than 56 days (inclusive)?
The longest interest-free period of credit cards is ICBC, BOC, ABC, Bank of Communications, Nanjing Bank and Bank of Ningbo.
General joint-stock banks offer cardholders a 50-day interest-free period. The longest interest-free period for joint-stock commercial banks such as Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, China CITIC Bank and Ping An Bank is 50 days.
For example, swipe your card at Ping An Bank on June 5438+065438+1October 2, and the repayment date is June 5438+February 2 1, with an interval of 50 days.
The "interest-free repayment period" of many bank credit cards is not the absolute value of the consumption date plus 50 days, but is calculated according to the difference between the consumption date and the billing date. It is precisely because the date of each month is 30 days and 365,438+0 days that there may be corresponding changes.
What is the longest interest-free period for credit cards?
1. The interest-free period starts from the bank bookkeeping date to the final repayment date. The billing date is the day when the cardholder swipes the card, and the final repayment date is the day when the cardholder should pay back the money, usually 20 or 25 days after the bill date.
2. At present, the five major state-owned banks, Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of Communications, provide cardholders with an interest-free period of up to 56 days. For example, ICBC, if the customer's credit card date is 65438+ February 1, then the repayment date is 65438+next year1October 25th, with a 56-day interest-free period. China Construction Bank and China Bank offer a maximum interest-free period of 50 days.
3. 1 1 Most joint-stock banks offer cardholders a 50-day interest-free period. The longest interest-free period for joint-stock commercial banks such as Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, China CITIC Bank and Ping An Bank is 50 days. For example, Industrial Bank swipes its card at 1 1.2, and the repayment date is 1.2,21,with an interval of 50 days. However, Guangfa Bank has granted the standard card, hope card and QQ card a maximum interest-free period of 56 days, while the interest-free period of other cards of the bank is still 50 days.
Although the credit card of Beijing Rural Commercial Bank was launched late, it still gave the cardholder a maximum interest-free period of 56 days. For example, if the billing date of customers is 10, 13, the credit card date is 14, and the final repayment date is12,8, then they can enjoy the longest interest-free period of 56 days.
What is the longest interest-free period for credit cards? Go to: See more.
What is the grace period for credit cards in banks?
1. Industrial and Commercial Bank of China: the repayment method is repayment by card, with an interest-free period of 25 days and no grace period.
2. Agricultural Bank: The repayment method is by card, with an interest-free period of 25 days and a grace period of 2 natural days.
3. Bank of China: The repayment method is by credit card, with an interest-free period of 20 days and a grace period of 2 natural days, including 9 natural days for platinum card.
4. China Construction Bank: The repayment method is card repayment with an interest-free period of 20 days and a grace period of 5 natural days.
5. China Merchants Bank: The repayment method is household repayment, with an interest-free period of 18 days and a grace period of 3 natural days.
6. Bank of Communications: The repayment method is by card, with an interest-free period of 25 days and a grace period of 3 natural days.
7. Guangfa Bank: The repayment method is by card, with the interest-free period of 26 days for standard cards and 20 days for other cards, with a grace period of 3 natural days, and only once a year.
8. CITIC Bank: The repayment method is card repayment, with an interest-free period of 19 days and a grace period of 3 natural days.
9. Minsheng Bank: The repayment method is household repayment with an interest-free period of 20 days and a grace period of 3 natural days.
10. Ping An Bank: the repayment method is household repayment, with an interest-free period of 18 days and a grace period of 3 natural days.
When does the interest-free period of credit cards start? How many days is the interest-free period of credit card in the bank?
Credit cards can be overdrawn without interest, but many people don't know how long they can enjoy the interest-free period after using credit cards. They will ask when the interest-free period of credit cards will start. How many days is the interest-free period of credit card in the bank? Today, I will give you a brief introduction. If you want the longest interest-free period, there are several dates that must be clear.
When does the interest-free period of credit cards start?
The interest-free period of credit card refers to the period from the bank bookkeeping date to the due repayment date after using the credit card. If the current arrears can be paid off in full, no interest will be generated. Therefore, it is not difficult to see that the interest-free period of credit cards starts from the bank bookkeeping date, and the specific interest-free period should be inferred by combining the bookkeeping date, consumption date and repayment date.
Such as Agricultural Bank of China, CITIC, China Construction Bank, Huaxia, Pudong Development Bank, Citigroup, Xingye, Postal Savings, Minsheng, Beijing, Shanghai, Shanghai Rural Commercial Bank and Zheshang Bank, the consumption of that day is recorded in the current bill; China Bank, Industrial and Commercial Bank of China, China Merchants Bank, Bank of Communications, Ping An Bank, China Guangfa Bank and China Everbright Bank, the consumption of that day is recorded on the next day, and the consumption on the billing date is included in the next bill.
How many days is the interest-free period of credit card in the bank?
1. Bank of China: the longest interest-free repayment period for credit cards is 50 days, and the fixed interest-free repayment period is 20 days. If it is a big month and a small month (28 days /30 days /3 1 day), the actual date is calculated.
2. ICBC: The shortest interest-free period is 25 days and the longest is 56 days.
3. China Construction Bank: The shortest interest-free period is 17 days, and the longest is 52 days. Due to the fixed repayment date, it varies slightly from month to month.
4. Agricultural Bank: The longest interest-free period for credit cards is 56 days.
5. Postal Savings Bank: the shortest interest-free period is 20 days, that is, the cardholder spends on the day of the billing date; The longest interest-free period is 50 days, that is, the cardholder spends on the day after the billing date.
6. Bank of Communications: The shortest interest-free period is 25 days and the longest is 56 days.
7. Shanghai Pudong Development Bank: Geely Platinum Card has no interest-free period, and the longest interest-free period for other credit cards is 50 days.
8. CITIC Bank: The longest interest-free repayment period is 50 days and the shortest is 20 days. The longest interest-free repayment period of UnionPay business card is 56 days. CITIC UnionPay Business Card has a fixed billing date (15 days per month), and the due repayment date is extended by 25 days.
9. Guangfa Bank: The longest interest-free period is 50-65 days, of which the longest interest-free repayment period for standard card, hope card, guardian angel card and guardian pioneer card is 56 days.
10. Minsheng bank: the shortest interest-free repayment period is 20 days, and the longest is 5 1 day.
The above is the introduction of "When does the interest-free period of credit cards begin?" I hope it will help you.
The introduction of interest-free period of major banks' credit cards ends here.