How to modify the credit card bill

How to modify the credit card bill of Bank of Communications

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, and then complete the date modification of the statement according to the customer service instructions.

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 bill 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 issuing bank will summarize and settle the current transactions and expenses of the credit card account on a fixed day every month, calculate the total amount owed and the minimum repayment amount in the current period, and form the current bill. This day is the bill date.

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 the 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 them.

The billing date of a credit card, as its name implies, refers to the day when the bill is formed. The credit card issuing bank will summarize and settle the current transactions and expenses of the credit card account on a fixed day every month, calculate the total amount owed and the minimum repayment amount in the current period, and form the current bill. This day is the bill date. 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 the 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 them.

Want to modify the credit card statement? These matters must be clear.

After the credit card is overdrawn, it must be repaid on the repayment date every month. However, if money is tight and you don't want to apply for installment or minimum repayment, you can extend the repayment period by modifying the bill date. However, the billing date of the credit card cannot be changed at will, so you must pay attention to some matters.

First, see if the issuing bank supports modifying the bill.

Most banks' credit cards can modify bills, but ABC can't. Only special cards such as business card, Iqiyi card, QQ card, Guangdong-Guangdong ETC card and Xiami Music co-branded credit card can modify the bill statement, so we will skip it here.

Second, make changes within the specified date.

1. Bank of China: You can choose any date between 1 and 28;

2. China Construction Bank: optional billing dates are 2, 4, 7, 9, 10, 12, 15, 17, 19, 2 1 and 27;

3. Bank of Communications: optional bookkeeping dates are 2, 4, 6, 19, 2 1 day and 27;

4. China Merchants Bank: The available billing dates are 2nd, 3rd, 5th,10th,12nd,14th, 22nd and 25th.

5. Shanghai Pudong Development Bank: The available billing dates are 1, 3, 8, 14, 17, 19, 20, 22, 23, 25 and 26.

6. Huaxia Bank: The available billing dates are 3rd, 6th, 8th,1/day,13rd,15th,18th, 2 1 day, 23rd and 23rd.

7. Ping An Bank: There are billing dates of 3rd, 5th, 7th,10th,13rd,15th,17th, 20th, 22nd and 25th to choose from.

Because there are too many banks, only a few billing days that prime bank can choose are listed. Other banks can call the service hotline of the issuing bank to consult customer service.

Finally, understand the changes in the bill.

1) The credit card cannot be modified until it is paid off;

2) There is a limit on the number of changes to the date of the credit card bill, usually once every six months and twice a year, depending on the issuing bank;

3) There are many ways to modify the date of credit card bill. The easiest way is to call the service hotline of the issuing bank directly and consult customer service.

4) After the date of credit card bill is revised, it will generally take effect from next month.

How to modify the repayment date of credit card

Because the repayment date of a credit card generally depends on the billing date of the credit card, it is basically not the 20th day after the billing date, nor the 25th day after the billing date. Therefore, to change the repayment date of the credit card, just change the billing date of the credit card.

Different credit cards have different billing dates, because billing dates are usually randomly assigned by the system. And some bank credit cards can change the bill date, while others can't. You must confirm this before changing money.

Product source

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid on demand. There was no long-term default and no credit line.

Credit cards are generally plastic cards with special carriers, which are 85.60 mm long, 53.98 mm wide and 65,438+0 mm thick. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, American businessman Frank McNamara entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of setting up a credit card company. 1950 In the spring, McNamara and his good friend Schneider jointly invested 1 10,000 USD to set up DinersClub in new york, which is the predecessor of Diners Credit Card Company. Diners‘Club provides members with a card that can prove their identity and ability to pay. With this card, members can swipe their cards at 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card that does not need to be handled by a bank belongs to commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

1959, Bank of America issued American bank cards in California. Since then, many banks have joined the ranks of card-issuing banks. In 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

In 1960s, credit cards sprouted and developed rapidly in America, Canada, Britain and other developed countries in Europe and America. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.

How to modify the credit card bill of Minsheng Bank?

The revision method of Minsheng Bank's credit card statement is as follows:

1. Cardholders can make changes through manual customer service by calling Minsheng Bank Credit Card Customer Service at 400-669-5568.

2. Cardholders can also bring their credit cards and identity documents to any business outlets of Minsheng Bank and change the bill date at the counter.

3. At the same time, you can also log in to Minsheng Bank's China Life APP and click "Finance"-"Change Bill Date" to make changes.