165438+1October 15 received a credit card reminder message from China merchants bank 1065795555, but I didn't swipe my card that day. What should I do?

This should be a normal repayment reminder. 165438+ 10/5 is not the date of your credit card, but the billing date of your credit card.

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.

Card friends' credit card bill date is 1, and the due repayment date is 20th. Card friends1October 5th, 2nd, 30th. 165438+. At this time, your expenses will be settled in February 1 day 1 and passed at the same time. (Since the billing date usually indicates the billing date, the billing data is as of 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. Note: As the information in brackets above has not been confirmed by all banks, it is recommended to confirm with your own issuing bank first. At the same time, it should be noted that the billing date of each bank is not the same day. Moreover, for the billing date, some banks also provide the function of modifying the billing date to make your repayment more flexible.

The repayment date refers to the latest date when the issuing bank (or institution) requires the cardholder to repay the payable amount.

For credit card non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.

During this period, as long as you pay off the current payable amount on the current statement, you don't have to pay any interest on non-cash transactions (you don't enjoy interest-free discount if you borrow cash in advance).

The due repayment date is also called the final repayment date. If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you may face the following penalties:

1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis;

2. Receive phone calls and letters from banks;

3. Freeze your account, feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;

If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time, so that although there is no interest-free repayment period, you can avoid personal credit damage.