How do credit cards know the repayment date?

What should I think of the credit card repayment date?

The query method of credit card billing date and repayment date is to query through the corresponding bank's mobile banking, online banking, official APP and WeChat official account, enter the corresponding platform to find the relevant page of query, and select bill management to query.

You can also call the customer service phone number of the corresponding credit card and inquire through the manual service channel.

In addition, the bank will send a statement to the customer every month, and the customer will know when the bill date and repayment date of the card are through the statement of the month.

Credit card repayment date

1. The bank clearly stipulates that a certain day is the repayment date of the credit card. For example, ICBC's Peony Credit Card stipulates that the billing date is the last day of the month and the repayment date is 25th. For example, if a user spends a sum at 65438+ 10/month 1, he can repay it on February 25th at the latest, and enjoy an interest-free period of up to 56 days.

2. The bank stipulates that the repayment date of credit card is how many days after the bill date. For example, the repayment date of CCB, BOC and CITIC Bank is 20 days after the bill date of credit card, and that of Bank of Communications and Agricultural Bank of China is 25 days after the bill date. For example, ABC's billing date is 10, so the repayment date is 5 days.

How to check the repayment date of credit card?

Credit card repayment date inquiry method:

1. Telephone enquiry: Call the official customer service hotline of the credit card issuing bank, transfer to manual service, and call customer service for help after authentication;

2. Mobile banking inquiry: download the credit card exclusive APP of the issuing bank, log in and set the security password, and then inquire about the repayment date, such as CCB;

3. Third-party service software query: download mainstream third-party payment software in the market, add a credit card, and query the repayment date of the credit card on the credit card repayment page of the software;

4. Bank counter inquiry: Bring my ID card and credit card, go to the bank and call the account manager for help.

1. Credit card, also known as 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.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an 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 and cash deposit and withdrawal. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of credit card was stipulated as CreditCard_.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. 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. Credit cards generally refer to credit cards.

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How to check the repayment date of credit card?

1. Call directly on the credit card, and then transfer to manual customer service;

2. Log in to e-banking and check the repayment date after logging in to official website;

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The repayment date can be found through the electronic bill sent by the bank.

1. When is the latest repayment date of the credit card?

The latest repayment date of credit cards of different banks is different. The bank settlement system has a time limit, so it is not impossible to repay before 24 o'clock on the repayment date. Of course, if the last repayment date of the credit card is missed, the cardholder will repay it on time within the grace period. The regulations of each bank are different, so the regulations of local bank outlets must prevail.

2. Is the credit card overdue after the repayment date?

When the credit card is repaid, the system will display "Repayment date has passed". Whether this is overdue depends mainly on whether the issuing bank provides a grace period for repayment and how long it is.

If the issuing bank does not provide a grace period for repayment, or the grace period has passed when it repays itself, then the repayment date will be displayed, which is overdue and will be reported to the central bank by the system, leaving an overdue record in the personal credit report.

3. When is the repayment date of the credit card?

Maturity repayment date-the last day of interest-free repayment period. The repayment date is a deadline, and the repayment money should generally be credited to the account before this date. Before this, the repayment is interest-free, and interest and late fees will be charged if it is overdue. Every bank has different rules on this day.

The calculation of repayment date, the repayment date of credit card is generally 20 days after the bill date.

4. How to calculate the repayment date of credit card?

Different banks have different credit card calculation methods, but there are two: first, it is clearly stipulated that one day of each month is the interest-free deadline, and the interest-free period is the date from the consumption date to the deadline; Second, the cardholder sets a billing date and then sets the latest repayment date according to the billing date. The interest-free period is from the consumption date to the latest repayment date.

How to check the repayment date of credit card depends on you.

It is very important to specify the bill and repayment date of credit card, because these two dates are related to credit card repayment. How to check the repayment date of credit card? In fact, the repayment date of a credit card is usually reflected in the cardholder's bill. The following is the inquiry method of credit card repayment date for cardholders' reference.

1, online banking query

Log in to the online bank of the credit card you hold to check the bill. Take China Merchants Bank as an example. First, log in to the credit card website of China Merchants Bank, click "Online Banking Login" and enter the ID number and inquiry password. Secondly, find the account management, click the account query, you can query the bill and know the date of credit card repayment.

2. Telephone enquiry

Call the customer service hotline of the credit card issuing bank directly, follow the voice prompts, enter the credit card, expiration date and other information, and you can query the bill.

3, SMS query

Use the mobile phone you registered when you applied for a credit card at the bank, edit the short message and send it, and you can check the first-phase bill amount and repayment date of the credit card. For example, China Construction Bank sent the last four digits of "CCZD#" to 95533, and China Industrial and Commercial Bank sent a text message "HKR#" to 95588 to inquire about the billing date and repayment date.

4. WeChat query

WeChat pays attention to the official WeChat account of the bank, binds its credit card to the micro-signal, and can easily check the bill through WeChat.

5, APP query

Many banks have their own credit card APP, which has the function of bill inquiry. Cardholders can download and install the APP, register and log in, and check the bill anytime and anywhere. For example, log in to the "Pocket Life" client of China Merchants and enter "Bill Repayment-Bill Inquiry".

6, mail query

When handling a credit card, it is required to bind the credit card to the email account, and the bank will send the billing information by email every month.

7. Counter inquiry

Go to any business outlet near the credit card issuing bank, bring your ID card and credit card, and check the credit card bill and repayment date through manual service.

8. Credit card issuance letter

After the bank passes the credit card review, it will send the credit card together with the card letter, which is marked with the billing date and repayment date of the credit card, but the repayment date of some banks can be modified, and the cardholder needs to remember the repayment date currently set by the credit card.

How do credit cards know the repayment date? Let's stop here.