Which bank’s credit card repayment time is longer? Mastering skills is the key Credit card overdraft consumption or cash withdrawal must be repaid on time, and the credit card repayment time of many banks is long or short, which is definitely a problem for cardholders. The longer the repayment period, the better. So, which bank’s credit card repayment time is longer? Let’s take a look here. Credit card repayment is calculated from the statement date to the repayment date. The maximum repayment time varies from bank to bank. For example, ICBC, Agricultural Bank of China, Bank of Communications, Huaxia Bank, and Rural Commercial Bank have a maximum repayment time of 56 days; Bank of China, China Construction Bank, Postal Savings Bank, China CITIC Bank, and China Merchants Bank have a maximum repayment time of 50 days. It can be seen that the longest repayment time for a credit card is at least 50 days, but not everyone can enjoy such a long repayment time. This is determined by the cardholder's credit card swiping time and payment time. In one sentence To summarize, swiping the card on the billing day determines the length of repayment time, that is, when the consumption on the billing day is recorded in the account, which can be divided into two situations: the same day and the next day. Consumption on the billing day such as ICBC, Bank of China, China Merchants, Communications, Ping An, etc. will be recorded in the account the next day and will be included in the next bill, so that you can enjoy the longest repayment time by swiping your card on the billing day; Agricultural Bank of China, China Construction Bank, Postal Savings, CITIC, Minsheng . Consumption on the day of the IB's bill will be credited to the account on the same day. Only consumption on the day after the bill date can enjoy the longest repayment time. For example: If the maximum repayment time of ICBC is 56 days, the billing date is the 18th of each month, and the repayment date is the 10th. If you want to enjoy the longest repayment time, you must consume on May 18th and May 19th. Enter the account and wait until the bill is issued on June 18. July 10 is the latest repayment time, so there is exactly 56 days of repayment time. If you feel that the repayment time is still short, you can also extend the repayment time by one month by modifying the bill date.