Question 1: How is the interest-free period of credit cards calculated? 1. First of all, remember the date of your bill, which is fixed every month.

Subject to the billing date, the final repayment date of your credit card is 20 days after the billing date.

Your bill date is the 6th of each month, and the repayment date is the 26th of each month. Take 1 1 month as an example:

The consumption on the billing date165438+1October 6th is included in the current bill, and the repayment date is165438+1October 26th. Only 20 days has the shortest interest-free period;

The consumption of 1 1.7 is included in the next bill, which is listed on the bill of 65438+2.6, and the repayment date is 65438+2.6. There is a 50-day interest-free period, which is the longest.

Remember: No matter what day the billing date is, you can enjoy the longest interest-free repayment period as long as you spend on the day after the billing date.

The consumption 500 yuan (1 1. 1.6) listed by you on 10/0/0/0. 26, and the repayment date is1.

500 yuan, 800 yuan, was consumed by 10 and 12 respectively, which was charged to the bill No.65438+February 6th, and the repayment date was 65438+February 26th.

3. Cash withdrawal does not enjoy the interest-free period, and the interest is calculated from the date of cash withdrawal, with a daily interest rate of five ten thousandths.

4. If the minimum repayment amount is selected for repayment, the cardholder cannot enjoy the interest-free repayment period, and needs to pay the cyclic interest (five ten thousandths per day) for all transactions in the current bill.

The minimum repayment amount will be listed on the current bill, and its calculation formula is:

10% of consumption funds

(plus) 10% of the cash advance transaction amount.

(plus) 100% of the minimum repayment amount in the previous period.

(plus) 100% fee and interest

-

(equal to) the minimum repayment amount

As long as the final repayment date is not less than the minimum repayment amount on time, there will be a good credit record.

Question 2: The longest interest-free period of a credit card is not calculated in this way. On March 2nd, the overdraft was RMB 1 0,000, and the maturity date was calculated as follows: March 2nd-3rd 1 was the billing date, and the billing date was1,totaling 30 days. The final repayment date after the bill is April 20th, 65438+ year. So if you repay your 1000 yuan before April 20th, you don't have to pay interest.

The minimum repayment amount indicates your intention to repay. The bank gave you money in advance and decided that you borrowed it from him. Therefore, if you only repay 100 yuan before April 20th, then 1000 yuan will bear interest. The principal and interest will not be repaid on April 20th, and 900 yuan will continue to bear interest next month.

Question 3: How to calculate the 50-day interest-free period of credit cards? Hello, the interest-free period of a credit card means that you don't have to pay any interest if you pay off all the expenses before the final repayment date. The length of the interest-free period depends on the time you spend. If your consumption is before the current bill date, it will be included in the current bill, and if it is after the bill date, it will be included in the next bill. For example, your billing date is the 5th, and the final repayment date is the 23rd. Your consumption before 65438+February 5 will be included in the bill of 65438+February 23, and you need to pay before 65438+February 23. If your consumption is after 65438+February 5th, then it will be charged to the bill of 65438+1October 5th. If your spending time is 65438+February 5, you can enjoy a 50-day interest-free period when you repay on June 23.

Question 4: How to calculate the interest-free period of ICBC credit cards? Let me answer you:

1. The billing date of ICBC credit card is 1.

The repayment date of ICBC's credit card is 25th. Credit cards have an interest-free period: the current month's consumption can be returned before the 25th of next month. For example, if you spend money in 500 yuan in March 1, it will be interest-free on April 25th. The longest interest-free period is 55 days. I bought it in 800 yuan on March 3 1 and returned it before April 25. The shortest interest-free period is 25 days.

2. So, whatever you bought on September 29th will be fine until June 25th 10.

The 5,000 yuan you spent on June 5, 65438/kloc-0 has passed the billing date (June 30, 65438), so the repayment date of this consumption is before October 25/kloc-0.

Question 5: Interest-free period of postal savings credit card? How is it calculated? The interest-free repayment period of China Post Credit Card refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the final repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

Example of interest-free period calculation (how to calculate interest-free periods of 20 days and 50 days respectively):

Suppose your billing date is a month 17, and the due repayment date (for example, the 30th of a month) is the 7th of next month (if the month is 3 1 day, it is the 6th of next month, and the year and month are calculated accordingly).

If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be issued on May 65, 438+07, and there are 50 days before the due repayment date on June 6, the valve with the longest consumption enjoys a 50-day interest-free period.

Question 6: How to calculate the longest interest-free period of 50 days? Not every billing cycle can enjoy a 50-day interest-free period. Suppose the bookkeeping date is 10 day and the repayment due date is 28th:

For example: generally speaking, customers spend money on August 9, bill on August 10, and need to repay on August 28, so the interest-free period is the shortest; If the customer spends money in August 10, the bill will not be issued until September 10, and the repayment on September 28 has a maximum interest-free period of 50 days. That is, customers can enjoy the longest interest-free period if they repay all the amount due before the due repayment date (inclusive).

If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.

Question 7: How to calculate the 25-day interest-free period and 56-day interest-free period of Bank of Communications credit card? This is calculated according to the bill date and repayment date.

For example:

Invoice Date:No. 18

Repayment date: 13

If you spend on June 19, you can enjoy interest-free for up to 56 days.

For example: June 65438+1October 65438+September 9,

Will appear in the bill of 165438+ 10/0/8.

The repayment time is 65438+February 65438+March,

If you spend in June 65438+1October 65438+July, you can only enjoy the interest-free period of 26 days.

Such as: 65438+ 10/7,

Will appear in the bill of 18 in June,

It needs to be repaid on June165438+1October 65438+March 3.

Question 8: How to calculate the interest after the interest-free period of the credit card? If it is a credit card of China Merchants Bank, you can enjoy an interest-free period by swiping it. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. If your consumption occurs before the current bill date, it will be included in the current bill. Please repay before the current repayment date. If it is included in the next bill after the bill date, it can be repaid before the next repayment date.

If the repayment is overdue, it will generate late payment fees and interest, and it will affect personal credit. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time.

Question 9: How to calculate the interest-free period of Bank of Communications credit card? Consumption on March 7th, bill on April 5th, and the final repayment date is 430 days;

You can enjoy the longest interest-free period only if you spend on the day after the billing date, that is, on the 6th.

Question 10: How to calculate the interest-free period of CITIC Credit Card? The longest interest-free period of CITIC Bank is 50 days. That is to say, if you swipe your card on March 2 1 day, you will enjoy a 50-day interest-free period when you repay on March 2 1 1 day.

If your billing date is 20th and you don't need to repay in April, the repayment date should still be May 1 1. Please pay attention to the last repayment date on the bill, and don't be overdue!

How to calculate the interest-free period of credit card?

Suppose your credit card billing date is the 5th of each month, and the due repayment date is the 25th of each month. Swipe your card at different time periods and enjoy different interest-free periods:

If you spend 10000 yuan by credit card on October 4th, then on the billing date of June 5th, 10000 yuan will be charged to the bill of June 10 (specifically, the billing period from September 6th to June 5th,10).

Therefore, the longest interest-free period that cardholders can enjoy is 2 1 day; If 10/0000 yuan is spent by credit card on October 6th, and 10000 yuan exceeds the billing date on October 5th,110000 yuan will be credited to June1/.

If you swipe your card before the billing date, you may enjoy a shorter interest-free period (the closer you swipe your card on the billing date, the shorter the interest-free period); If you swipe your card after the billing date, you may enjoy a longer interest-free period (the closer you swipe your card to the billing date, the longer the interest-free period).

What does the interest-free period of credit cards mean?

For non-cash transactions of credit cards, from the bank bookkeeping date to the repayment date, you don't have to pay any interest on non-cash transactions as long as you pay off all the current payable amount (total amount owed) on the current statement (cash borrowed in advance does not enjoy interest-free discount).

How to calculate the credit card interest?

Credit cards generally have an interest-free period of 30 days, and consumers will not charge interest as long as they pay off their debts during the interest-free period. If the consumer is overdue, the interest is generally calculated at the daily interest rate of 0.05%. If the overdue period exceeds 30 days, some banks will calculate the interest at the daily interest rate of 0. 1%.

If the consumer spends 10000 yuan overdue after using the credit card, the daily interest to be paid is 100000.05% = 5 yuan, and one month (calculated by 30 days) is 150 yuan. Generally speaking, the interest to be paid is very high, so it is recommended not to overdue it easily.

What are the precautions for using credit cards?

1. Don't disclose personal information to others easily, including your ID number, bank code and other information, and don't give your bank card and credit card to others for use. If you have any questions and need to report the case, please go to the bank and other financial departments in person or report the case to the local public security organ. Don't call the police according to the phone number provided by the suspect.

2. Pay attention to the safe use of online banking. Install necessary anti-virus and anti-Trojan software and online banking security controls, confirm that you are logging in to the real bank website, do not easily receive strange files, and do not easily use other people's computers to log in to online banking.

3. Be vigilant when using self-service bank. At present, the door of self-service bank has been gradually transformed into a button-open type. When withdrawing money from the self-service bank, if you find suspicious equipment at the entrance and exit of the self-service bank or prompt "Confirm by password", don't swipe your card and enter the password, and report to the bank and the public security organ in time.

4. Pay attention to separate the card from the ID card. In life, many people put their ID cards and bank cards together. Once lost or stolen, the cardholder's funds are likely to be lost.

5. When swiping a credit card, confirm whether it is a UnionPay POS machine. After swiping the card, you have to sign the shopping statement. At the same time, we should also pay attention to whether there are duplicate problems to prevent the returned bank cards from being exchanged. In addition, the signature style should be as consistent as possible with the signature on the card.

How to calculate the interest-free period of credit card?

As long as you spend on the second day of the billing date, you can enjoy the longest repayment time, because the current billing date is the amount spent before the billing date. The amount spent after the billing date will be included in the next billing date. The shortest interest-free period of ICBC is 22 days and the longest is 56 days.

The interest-free period can be calculated by yourself. For example, the accounting date of each month is the 2nd and the repayment date is the 22nd. Then, the credit card swiped by the customer from September 3rd to June 65438+1 October1belongs to the bill of June 65438+1October and must be paid off before June 22nd. If you spend money by credit card on September 4th, your interest-free period is from September 4th to1October 22nd, 10 (interest-free period: 49 days in total), and the interest-free period is the longest.

Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.

Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost.

There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

Billing date: the date when the bank summarizes the cardholder's transaction money and related expenses, calculates the corresponding interest and calculates the cardholder's repayment amount in this period;

Repayment date: the latest date agreed by the bank and the cardholder that the credit card holder should repay the current, installment or minimum repayment amount;

Bookkeeping date: the date when the bank records the cardholder's consumption, expenses and interest in the bill according to relevant regulations.

There are three main situations in which credit cards do not enjoy interest-free period:

1. If the repayment is not made in full according to the relevant agreement, the interest-free period will not be enjoyed. In use, if the repayment cannot be made on time for some reasons, the bank will generally charge full interest from the transaction entry date in accordance with relevant regulations, and calculate compound interest;

2. Those who fail to repay the loan on time shall not enjoy interest-free compound interest. In the process of use, if the repayment is overdue on time, the bank will charge full interest according to the regulations and calculate compound interest on a monthly basis;

3. Cash withdrawal through overdraft or overdraft transfer does not enjoy the interest-free period. And if it happens, there will be a high handling fee and corresponding interest, which will be calculated from the entry date and compound interest will be charged monthly.

So much for the introduction on how to calculate the interest-free period of credit cards.