How to adjust the repayment date of credit card

How to change the repayment date of credit card?

There are three ways to change the credit card repayment date:

1. Bring your credit card and ID card to the bank counter to handle it yourself;

2. Call the bank's customer service hotline and choose manual service for handling;

3. Deal with it by sending short messages to the bank.

It is suggested to call the++customer service hotline or send a text message to the bank to change the repayment date of the credit card, because it can save the time of driving to the bank and queuing at the bank, which is more convenient and fast. Just provide your++and ID number to the customer service. Generally, in the next loan after application, the repayment date of the new application takes effect.

Extended data:

1. Different banks have restrictions on the number of changes, that is, you can change as many times as you want. For example, banks such as Industrial and Commercial Bank of China, China Construction Bank and Shanghai Pudong Development Bank are only allowed to change once a year, banks such as China Merchants Bank and China CITIC Bank are allowed to change once every six months, and banks such as Bank of Communications, which have fewer times, are only allowed to change once during the effective use period of credit cards.

2. Banks generally choose the repayment date when applying for changing the repayment date, that is to say, the bank will only specify a few days of a month as the repayment date of the credit card, not every day, so you can't decide which day you want, but choose according to the date provided by the bank. And different banks can choose different credit card repayment dates, you can consult the relevant banks.

3. In order to obtain a longer interest-free period, you can apply the day before the repayment date of the original credit card and set the day before the application date as the repayment date of the new loan, which can maximize the benefits and is the best choice for many large borrowers.

In short, it is very simple and convenient to apply for a change in the repayment date of credit card now. You only need to know the policies and regulations of the relevant banks in advance, and then apply directly.

References:

Baidu encyclopedia-credit card repayment

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 the equivalent amount++RMB, and the tolerance period is 3 natural days.

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

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

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

9. CITIC Bank: The tolerance amount is RMB 10 yuan or its equivalent++RMB, 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++yuan, 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 the equivalent++yuan, and the tolerance period is 3 natural days.

14. Huaxia bank: the tolerance amount is RMB 10 yuan or the equivalent++yuan, and the tolerance period is 3 natural days.

15. HSBC: The tolerance amount is RMB 10 or equivalent++Yuan, 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 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.

Can I change the repayment date of my credit card?

Credit card repayment date can be changed, and it is a free business.

There are three specific methods:

1. Call the service hotline of the bank where the credit card is opened, select manual service, and change the repayment date according to the voice prompt, which will take effect at that time.

2. Call or send a text message to the representative of the issuing bank to explain the change request to change the repayment date, and the corresponding representative can handle it.

3. Bring your credit card and ID card to the bank counter to handle it yourself.

It should be noted that although most banks support the service of changing the repayment date of credit cards, customers cannot change it at will, and many of them limit the number of changes (some stipulate that it can only be changed once a year, some stipulate that it can be changed once every six months, and some stipulate that it can only be changed once within the validity period. Please consult the customer service of the issuing bank for details).

Extended data:

1. What are the ways to apply for a credit card?

1. Credit card processing at the bank counter:

(1) Take the following documents to the bank counter.

You must bring your ID card. Of course, other documents, such as social security card, income certificate, real estate license, etc., can also be carried with you. The staff will ask you to fill out the credit card application form immediately. After carefully filling it out, the staff will ask you to take out the relevant documents and copy them as the basis for reviewing and issuing credit cards.

(2) Apply for a credit card on the official website:

At present, many banks have started to apply for credit cards online. Log in to Bank official website, find the credit card homepage, and you will see the credit card application, and then fill in personal real information as required and submit it to the bank for approval.

If the application is successful, you will call and ask to bring relevant documents to the business outlets to check your personal information. If verified, it can be used.

2. Which bank credit card is better?

Credit cards are becoming more and more mature at present. Many banks have similar credit cards, but each has its own emphasis. When handling credit cards, it is very important to proceed from the actual needs of individuals; Sometimes we have to consider the amount of bank credit cards, consumption discounts, and the number of official activities.

Third, the credit card cancellation process:

1. Pay off all bills, pay attention to no balance overflow, and confirm whether all debts on the current card have been paid off before canceling the card;

2. Apply to the issuing bank for account cancellation. At present, banks only accept customer service hotline to sell cards and complete related operations according to voice prompts;

3. Wait for the inspection period and confirm the cancellation of the card. Usually, the inspection period of banks is 45 days. After applying for cancellation, the credit card will not be cancelled immediately. All banks generally have a "settlement period" of 45 days. Some arrears may not appear on the bill when applying for card refund. After this time, you can confirm whether the cancellation application is successful.

4. Cut off the credit card that has been successfully cancelled. In order to prevent the credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic stripe after the card is successfully cancelled.

If the credit card is lost when applying for card cancellation, in order to ensure privacy and safety, it is best to apply for loss reporting first, and then go through the formalities of card cancellation.

Can the credit card adjust the repayment date?

At present, many bank credit card centers can provide credit card billing date (or repayment date) change services, and they are all free. You can go to the bank counter or call customer service at home. Or send text messages to the bank. After successful revision, it will generally take effect from the next issue.

Credit cards are generally divided into two types-credit cards and quasi-credit cards. Refers to the credit card in which the cardholder spends first and then repays within the credit limit. Quasi-credit cards are different. Cardholders need to provide a certain amount of reserve funds. When the balance of the reserve account is insufficient to pay, the quasi-credit card can be overdrawn within the prescribed credit limit. Generally speaking, credit cards only refer to credit cards.

Holding a credit card means that when you spend money, you don't have to pay cash on the spot, but you can wait until the bill date comes.

What's the difference between a credit card and a bank card? Bank cards can be divided into debit cards (savings cards) and credit cards (credit cards).

Debit card is a bank card issued by the issuing bank to the society, which deposits first and then consumes (or withdraws cash) without overdraft function. According to different functions, it can be divided into transfer card (including savings card), special card and stored value card. It is a credit tool, which has the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption. It also has many financial functions such as transfer, fund purchase and stock trading, and also provides many value-added services.

The difference is that credit cards can be overdrawn and debit cards cannot be overdrawn; On the other hand, credit cards generally charge an annual fee, while debit cards do not; Improper use of credit cards will affect our credit files and our future purchase of houses and cars, while debit cards will not affect our credit because they do not involve overdraft; Finally, credit card issuers and merchants will often jointly organize various activities, such as restaurant coupons and gasoline coupons. And the debit card doesn't exist at all!

What's a credit card for? Credit cards are usually issued by commercial banks to individuals and units. When spending, you can use the credit card as a payment tool, and make direct consumption through POS machines installed by merchants or online payment platforms.

Credit card means that you can spend more than your ability to pay, that is, when your shopping needs exceed your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back. Repayment is required after overdraft consumption, including signing automatic repayment agreement, online banking repayment, mobile banking repayment, ATM repayment, etc. There is no need to pay interest for repaying all payables before the due repayment date (inclusive). If the minimum repayment amount cannot be repaid before the due repayment date (inclusive), overdraft interest will be charged at the rate of five ten thousandths, and a late fee will be paid at the rate of 5% of the unpaid minimum repayment amount.

This concludes the introduction of adjusting the repayment date of credit card and how to adjust the repayment date of credit card. I wonder if you found the information you need from it?