When will the credit card be charged?

What is the date of China Bank's credit card? When is the final repayment period?

After your credit card application is approved, China Bank will provide you with a monthly bill, and the repayment date is 20 days after the bill. You can check your credit card bill statement, repayment date and transaction status through China Bank's mobile banking, official account of credit card WeChat, colorful life app, online banking, counter, customer service hotline and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

A few days after China Merchants Bank spent its credit card, the bill was issued.

If China Merchants Bank's credit card is consumed on the same day, it will generally be included in next month's bill, and you can enjoy an interest-free period of nearly 50 days. Finally, please refer to the actual bill (except cash advance).

For example, a cardholder's credit card bill date is 1 and the due repayment date is 20th. Card friends spend money by swiping their cards on1October 5th, 2nd and 30th, 165438+, and the bank will make a summary settlement on February 6th, 65438+ 1

Since the billing date usually indicates the billing date, the billing data ends at 23:59:59 the night before the billing date. That is, the consumption starting at 0: 00 am on the billing day will be included in the next bill.

About the date of the credit card bill for the current day:

1. Under normal circumstances, the one-day consumption of China Merchants Bank's credit card bill is included in the next bill; For example, the bill date is 65438+125, and the consumption on the 25th is generally recorded on the 26th, so it is accounted for in the next bill. That is, it will not be repaid until February 23.

2. The single-day consumption of China Bank's credit card bill is included in the next bill; For example, a credit card bill on July 7, settled on August 7, and the final repayment date is August 27. Please refer to the bill you received for details.

3. The single-day consumption of the Bank of Communications credit card account is included in the next bill; For example, the billing date of a credit card is 10, and the payment date is July 10. The bill will be settled on August 10, and the final repayment date is September 5. Please refer to the bill you received for details.

4. Different banks have different calculation methods. Some banks with fast deposits are included in the current month, such as Shanghai Pudong Development Bank, and some banks with slow deposits are included in the next bill, such as China Merchants Bank and Bank of Communications. Banks are not unified. To be on the safe side, it is recommended to spend on the day after the billing date to avoid overdue due to different banks.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

How long does the credit card charge?

Generally speaking, if a consumer uses a credit card on the same day, the bank will charge it the next day. Therefore, if the cardholder spends money on the day of the credit card bill, his spending amount will be recorded in the next credit card bill, that is, the overdraft amount on the last repayment day of the next month will be repaid.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Credit cards are usually billed in a few days.

The bill you set up every month, the sunrise bill.

The bill date of each bank is different. Take China Construction Bank as an example. The billing date of the credit card is February, May, July, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27 of each month.

Bill date and repayment date are different. The billing date means that the bank will regularly summarize and settle all kinds of transactions and consumption of your credit card every month, and calculate the total amount owed and the minimum repayment amount. The repayment date refers to the last day when the cardholder should repay. On the billing day, the bank will inform you by SMS, and you only need to repay before the final repayment date.

When will the bill be issued if the credit card bill is swiped?

Before 24: 00 on the accounting day. The credit card bill is usually before 24 o'clock on the day of the bill. The bank will check the cardholder's consumption records before the billing date, but there is no specific billing time.

Generally speaking, it depends on the settlement time of the merchant when the credit card bill is repaid. Under normal circumstances, the merchant will settle the account on the second day of the cardholder's consumption, so that the consumption on the credit card billing date will be included in the next bill, and the cardholder can enjoy the longest interest-free period. However, some merchants will settle the credit card bill of the day in time, and the consumption of the day will be included in the current consumption.

What is the credit card billing date of ICBC every month?

ICBC's credit card billing date is unified as monthly1; The repayment date of ICBC's credit card is before 25th of next month.

I. Repayment Date of ICBC Credit Card:

The repayment date and billing date of ICBC credit card are fixed.

The billing date of all ICBC credit cards is the day of the end of the month, which is the last day of the natural month. For example, the accounting date in March is March 3 1 day, and the accounting date in April is April 30. The repayment date of ICBC's credit card is 25th of next month. In other words, your monthly expenses must be paid off before the 25th of next month.

2. Bookkeeping date and longest interest-free period

Credit card consumption per month 1 day. In that case, your interest-free repayment period is 3 1 in the current month, 25 days in the following month and 56 days in the following month.

The repayment date and billing date of all ICBC credit cards are the same.

Credit card policy

Annual fee-free policy: Puka Gold Card swipes the card for 5 times to avoid the annual fee for the following year.

Cash withdrawal fee: there is no fee for local ATM.

Multi-account management: independent quota, independent bookkeeping date and independent repayment.

Online payment: you need to open it at the bank counter first.

Installment business: support interest-free installment for specific merchants (3, 6, 12). You can apply for free installment (3, 6, 9, 12, 18, 24) by telephone if you spend RMB in 600 yuan HKD 600 yuan, and different fees will be charged for each installment according to the number of installments.

Billing date: every month 1 day is the billing date and cannot be changed.

Card types: Puka (RMB 0-20,000), Gold Card (RMB 6.5438+RMB 0-50,000) and Platinum Card (RMB 50,000 or more).

This concludes the introduction of the credit card billing date and the China Bank credit card billing date. Did you find the information you needed from it?