When will the credit card statement change take effect?

Take the credit card of China Merchants Bank as an example. The billing date can be modified as follows:

1. The optional bookkeeping dates of China Merchants Bank are: 03, 05, 06, 07, 09, 10, 12, 15, 17, 18 and 20 respectively.

2. If you need to modify the credit card statement, you can call China Merchants Bank's credit card service hotline 8008205555 (free of charge, fixed line only) or 4008205555 (local call charge)-1-4-9 to transfer the manual service for you.

Tips:

1. After the bill date is successfully modified, it will take effect from the next issue and cannot be modified again within half a year;

Second, if there are multiple cards in a personal account, use one bill and the date of the bill;

3. Commercial credit card holders cannot modify the billing cycle.

The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Can I change the credit card statement of China Bank?

You can call the credit card customer service hotline of China Bank and modify the bill statement through manual services (business card, company card, etc.). Cannot be modified), and can only be modified once per natural year. After success, the bills of all personal cards in your name will be revised together.

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

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How to change the repayment date of credit card

The repayment date of a credit card is not absolutely fixed, but is determined according to the bill date. The billing date of a credit card is fixed every month, and how many days after the billing date is the final repayment date, and the regulations of each bank are different. Therefore, if you want to change the final repayment date, you can only change the credit card billing date.

Set your own billing date: first determine the date of final repayment, and then determine the billing date to be changed according to the shortest interest-free days of the bank. For example, the shortest interest-free days of China Merchants Bank are 18 days, and wages are paid every month 15 days. If you want to change the final repayment date to around 19, because sometimes the repayment may take several days, then your billing date will be pushed forward by 18 days, so you need to change the billing date of each month to 1 day.

Change of repayment date: calling the credit card's manual service hotline requires direct manual modification. However, some credit card statements cannot be changed, and they can also be searched manually.

What we can see immediately when the credit card is overdue is the impact on credit reporting and a series of consequences. But in fact, overdue is far from as terrible as we thought, and overdue credit reporting is not as fast as we thought.

Of course, this is not to encourage everyone to be overdue, but to tell everyone how to treat overdue and how to solve it. If the method is proper, you can even avoid the trouble of credit reporting.

I. Time tolerance

Generally speaking, the bank provides credit card repayment time and tolerance service: if the cardholder owes less than 10 yuan within 3 days, it will be regarded as timely repayment, and the bank needs to remind him 3 days before the due repayment date of the credit card. In other words, within 3 days after the repayment date, call the customer service center of the issuing bank in time, apply for timing service, and repay in full, so that the credit will not be reported.

It should be noted that the Convention is not mandatory, but only advocates that banks provide time tolerance services for credit card holders, and there is no mandatory provision. Therefore, banks have different standards in the implementation of time tolerance. For example, if the greatest love in the universe persists, there will be no grace period.

The policies of different banks are different. Please refer to the following:

1. Industrial Bank: The tolerance amount is only a penalty interest on the unpaid part, and there is no tolerance period.

2. Bank of China: the tolerance amount is 65438+ 0% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.

3. China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days. You need to take the initiative to call to apply.

4. Agricultural Bank of China: tolerance amount of general card 100 yuan, 200 yuan for gold card and platinum card, and the tolerance period is 2 natural days.

5. Bank of Communications: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

6. China Merchants Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

7. Guangfa Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

8. Industrial Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

9. CITIC Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days. You need to call customer service to apply.

10. Minsheng bank: the tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

1 1. China everbright bank: the maximum tolerance amount is 100 RMB or USD 20, and the tolerance period is 3 natural days, so you need to apply by telephone.

12. Shanghai Pudong Development Bank: The tolerance amount is RMB 10 yuan or USD 2, and the tolerance period is before 22: 00 three natural days after the repayment date.

13. ping an bank: the tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

14. Huaxia Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

15. HSBC: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.

Second, the time of credit investigation.

When the credit card is overdue, the time for each bank to report to the central bank for credit information is different, as follows:

1. If the repayment is exceeded, Hitachi will immediately make a credit report.

Industrial and Commercial Bank of China

Only after the grace period, can you get the credit information.

Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Minsheng Bank and China Everbright Bank.

3. Credit information will only be received on the next billing date.

China Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.

Third, remedial measures.

Since each bank's credit reporting time is different, if it is accidentally overdue, it can be remedied as soon as possible.

1. Repay in full immediately.

In order to ensure the arrival time, it is best to use the debit card of the same bank, and try not to repay through third parties such as interbank or Alipay.

2. Contact customer service to communicate

Explain that the non-subjective malicious breach of contract, due to objective reasons of XX, has not yet repaid, but just repaid.

Fourth, common causes.

1. Banking problems

Inter-bank system settlement problems, bank transfer transaction system problems, banks not sending bills or text messages, network and telecom operators not receiving bills, signing automatic repayment without deduction, etc.

Obviously, I didn't see the text message of the bank statement, so I have to say that the operator didn't receive the text message because of network problems, you know.

2. Force majeure

For example, you are temporarily sent away by the company for business trip or going abroad, for example, the local telecommunication cable is cut off, for example, the network equipment is damaged by a typhoon.

Touch others with emotion

For example, I accidentally fell, lost my mobile phone and was bitten by a dog. To sum up, the central idea is to treat it emotionally. There are objective reasons for overdue, not my subjective default, so we must pay attention to it.

Step 4 lure it to benefit

Discuss with the customer service, if you don't report the overdue facts to the credit or cash withdrawal, then you are willing to pay the protection fee in installments and so on.

Even if the penalty interest is paid, the bad credit record is more worthy of our attention than the penalty interest.

Verb (abbreviation of verb) opposes the application.

If all the above methods are irretrievable, and you have other legitimate reasons or evidence, you can apply to the credit information center for objection, and the central bank will decide whether you are really overdue.

News report of intransitive verbs

If the credit report is overdue and the objection application fails, it will take 5 years to eliminate it. Remember not to cancel the card in the meantime. If you cancel the card, the bad record will stay for a long time.

After paying off the debt, you should stick to using the card for 2 years, keep a good habit of using the card, and cancel the original bad records with new records (usually applying for loans, credit cards, etc.). Just look at the records of the last two years).

Seven, beware of being cheated.

You can often see some "white-washed" advertisements, so don't waste money.

Eight, nip in the bud

At any time, it is easier to take precautions than to deal with them afterwards, so the best way is not to overdue.

How to modify the bank of communications credit card bill statement

It is understood that the date of the credit card bill of Bank of Communications can be modified, and there are two most commonly used methods:

1. Online modification: Cardholders can install Bank of Communications on their mobile phones to pay bills, then shake them into the service hall → click "harass customer service" and search for "bill date modification" to modify them.

2. Telephone modification: users can call the customer service telephone number of Bank of Communications credit card at 400-800-9888 to complete the date modification of the statement according to the customer service prompts.

There is no need to calculate the billing date and repayment date of the credit card, which is set by the bank for the cardholder when the credit card is issued.

Credit card repayment date is generally 20-25 days after the bill date. It should be noted that the setting of billing date and repayment date is different for different users and different banks.

The billing date of a credit card, as its name implies, refers to the day when the bill is formed. The credit card issuer collects and settles the current transactions and expenses of the credit card account on a fixed day every month, calculates the total amount owed and the minimum repayment amount in the current period, and forms the current bill. This day is bookkeeping day.

In the past, banks would mail bills to users, but now more electronic bills are used, and users are more accustomed to getting bills through SMS or APP.

Repayment date refers to the deadline for repayment of arrears. The bank will list the repayment date on the bill. The specific repayment date is generally around 25 days after the bill date, but different banks will be different.

The billing date of a credit card is usually a date randomly determined by the bank in the card approval stage. Once the billing date is determined, it means that the repayment date is also determined. From the actual needs, these two dates may not be in line with the cardholder's personal situation, so some banks allow cardholders to adjust.

The billing date of a credit card, as its name implies, refers to the day when the bill is formed. The credit card issuer collects and settles the current transactions and expenses of the credit card account on a fixed day every month, calculates the total amount owed and the minimum repayment amount in the current period, and forms the current bill. This day is bookkeeping day. In the past, banks would mail bills to users, but now more electronic bills are used, and users are more accustomed to getting bills through SMS or APP.

Repayment date refers to the deadline for repayment of arrears. The bank will list the repayment date on the bill. The specific repayment date is generally around 25 days after the bill date, but different banks will be different.

The billing date of a credit card is usually a date randomly determined by the bank in the card approval stage. Once the billing date is determined, it means that the repayment date is also determined. From the actual needs, these two dates may not be in line with the cardholder's personal situation, so some banks allow cardholders to adjust.

How to Modify Bank of Communications Credit Card Statement

Bank of Communications credit card bill date modification process:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: v5.4.2

First open the "Pay" App.

2. Click on "Credit Card" below.

3. Click on the customer service icon in the upper right corner.

4. Click "Online Customer Service" below.

5. Enter "How to modify the bill date" and click "Send".

6. The system will automatically reply to the entry to modify the bookkeeping date, and click "Optional Bookkeeping Date".

Seven, click on the required checkout date.

8. Click "OK".

Bank of Communications (English BCM, Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches, 99 provincial branches/kloc-0, and 3,270 outlets in 239 cities above prefecture level and 158 counties or county-level cities. It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and the largest shareholder of++Bank. Strategic shareholding in Hainan Bank, holding four rural banks.

20 19 July, Fortune Global 500 released: ranking 150. "One Belt, One Road" China enterprises ranked 108 in the top 65438 list. 20 19 February, 65438 was selected as the brand of China Brand Power Festival 100. In March 2020, it was selected as one of the top 500 global brands.

So much for the introduction on how to change the credit card bill.