How to set up a credit card bill

4 credit card billing date setting skills? Teach you how to operate by hand

A card friend came to consult and said that he had four credit cards in his hand and wanted to know how to set up the bill. As we all know, the billing date of a credit card determines the repayment time. There are many credit cards in hand, so it is better to stagger the billing date, so that the repayment buffer period will be more. Let's have a look.

How to set up four credit card bills?

As mentioned above, the billing date of a credit card determines the repayment time, especially if there are multiple credit cards in hand. If the billing date is compact and the repayment time is similar, it will bring greater pressure to the cardholder's repayment, so it is best to stagger the billing dates of multiple credit cards.

As for how to set the billing date, here is a brief introduction to four credit cards as an example.

Usually, after the credit cards are issued, the bank will arrange billing statements, and the first thing we need to do is to list the billing statements of the four credit cards on a piece of paper, and then see which days are close at the beginning, middle and end of each month, preferably according to 1~ 10,/kloc-0 ~ 20, 20~30.

If the billing dates of all four credit cards are between four stages, then do not reset them. If there are several credit cards with similar dates, this one needs to be revised. You can call the issuing bank to see which billing date can be modified and recorded after the original billing date.

Finally, the original bills of all credit cards are compared with the optional bills, and the dates between the four stages and far apart are selected.

For example, the last four credit card bills may look like this, or the dates are very close:

The first card: billing date1;

The second card: billing date10;

The third card: the 20th day of the billing date;

The fourth card: the billing date is 30 days.

How to set up the most reasonable bill statement for two credit cards?

Can be set as follows. The first billing date is set to 12, and the second billing date is set to 27th. After setting, the first card will be spent from 13 to 27th, and the second card will be spent from 28th to 12. Then you will find that you swipe your card in the current month, and the bill for next month will not be paid until next month, so the interest-free period can be longer.

1. Credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. The form is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a certain amount.

2. The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the consumption payment function. Credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The Standard for English Translation and Writing in Public Service was formally implemented, stipulating that the standard of credit card is generally a special carrier plastic card, with a length of 85.60mm, a width of 53.98mm and a thickness of 1 mm, and the name of the card issuer, validity period, number and cardholder are printed on the front.

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 day of collection. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards. From 200 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper and lower limit is 0.05% of the daily interest rate and the lower limit is 0.7 times of the daily interest rate).

4. The earliest credit card appeared at the end of19th century. /kloc-During the 1980s, the British clothing industry developed the so-called credit card, and the tourism and business departments followed this trend. But at that time, the card could only be used for short-term commercial credit and must be repaid at any time. Can't default for a long time, and there is no credit line. According to legend, one day in A.D. 1950, Frank McNamara, an American businessman, entertained guests in a hotel in new york. After dinner, he found that he had forgotten his wallet, so he had to call his wife to take cash to the hotel. He was so embarrassed that McNamara came up with the idea of starting a credit card company. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

How to set the most reasonable billing date for two credit cards (debit cards)?

The billing date of the first credit card (debit card) can be set to 1 1, and the billing date of the second credit card (debit card) can be set to 25th. After the bill date is set, you need to use a credit card (debit card) from the day after the bill date. According to the above settings, the first card can be used for consumption from June 26th to June 24th, and the second card can be used for consumption from June 26th to June 65th, 438+00. At this time, you will find that the credit card (debit card) is spent in the current month and will not be billed until next month, so the interest-free period can be longer.

How to adjust the credit card bill date

Some bank credit card bill statements can be modified, and some bank bill statements cannot be modified. For example, Agricultural Bank of China takes 10 as the bookkeeping date every month, which cannot be changed. At present, the billing dates provided by China Merchants Bank Credit Card are 5th, 7th, 10, 12, 15, 17, 20th, 22nd and 25th of each month, which are changed every six months. The monthly billing date of Bank of Communications is generated by the system. During the validity period of the card, it can be changed once, from 6th to 24th. The original accounting date of CITIC Bank shall be revised within the first eight days or the last eight days, and the longest time shall not exceed 20 days.

1, ICBC: the modification limit depends on the region. Most cards can modify the billing date, but only 1 and 12 can be selected for some business cards.

2. Bank of Communications: change the card once within the validity period or for life, or modify it successfully for the second time after one year of actual measurement. You can call customer service to modify the bill. Once modified, you cannot change back to the original date or other dates.

3. Guangfa: once a year, the billing date is usually a birthday. If the birthday is 29/30/3 1, it will be randomly configured as 4-28 days by the system. It needs to be modified by GDB Platinum Customer Service, so it needs a Platinum Card.

4. Xingye: Twice a year, different card types can choose different billing dates. The optional date of new car friend card is 1-27, and the optional date of China Eastern Airlines co-branded card is 3, 7, 9, 13, 15, 16, 18 and 265438.

5. CITIC: once every six months, and can only be modified between 1-20 days before and after the current accounting date. For example, the billing date is 18 and can only be modified between 10 and 20. You need to call the customer service department to change the bill date.

6. Everbright: Once every two months, you can modify the billing date in the "Sunshine Life" APP.

7. Pufa: once a year, the situation that cannot be modified includes insufficient comprehensive score, unsettled installment, universal fund, etc. You can request to submit it to senior customer service for modification, and it will generally succeed.

8. People's livelihood: once a year, you can modify the bill through online banking or call customer service.

9. HSBC: Both online banking and the "HSBC Credit Card Mobile Banking" APP can modify the bill.

10, Ping An: The credit card APP can change the billing statement once every six months.

1 1, Bank of China, China Construction Bank, Postal Savings, Huaxia, Beijing and China Merchants Bank need to call customer service for modification.

12, Agricultural Bank of China: The billing date of each card is different, so there is no way to modify the billing date.

How to modify the credit card bill?

The bank credit card statement can be modified as follows:

1, the cardholder can call the relevant bank's credit card customer service phone number and modify it through manual customer service.

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

3. At the same time, you can also log in to related bank apps (such as Bank of China 7. 1.7). Download and log in to the China Bank APP first, and then click "Finance"-"Modify Bill Date" on the homepage to modify it).

Precautions for credit card use:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information protection.

The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.

5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.

If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.

6. What if the funds are tight?

When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.

8. Use credit cards carefully.

Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.

Skills of modifying the date of credit card bill

The billing date of the credit card is the date when the bank settles with you. At the same time, according to the different interest-free period, the repayment date can also be deduced from the billing date. So, what are the bank's credit card bill date modification skills? Below, I collected and sorted out the modification skills of credit card bills of various banks for you. Welcome to read!

Skills of modifying the bill date of bank credit card

The planning of the bank bill date is still very important. Now, let's talk about the time when the bills of various banks can be adjusted.

China Merchants Bank Credit Card: You can choose any date, and you can adjust the repayment date to the beginning of the month, the middle of the month and the end of the month, and the frequency is adjusted once every six months;

ICBC Credit Card: One ICBC card can only be adjusted once in a lifetime, and the repayment date in Guangzhou can only be adjusted between 1 and 5;

Everbright Credit Card: Everbright Bank can only adjust the billing date and repayment date once a year after paying off all the debts under Everbright's name in full;

CITIC Credit Card: The billing date of CITIC Bank can only be selected between 1 and 16, and the repayment date is pushed back to 19 days, which can only be modified once every six months;

Ping An Credit Card: Generally, the billing date can be a multiple of 5, and the repayment date is pushed back by 18 days, which can be modified once every 6 months;

Credit card of Guangzhou Rural Commercial Bank: At present, the one-day adjustment project has not been opened, and the fairy cannot modify it;

Huaxia Bank Credit Card: Only 3, 8, 1 1, 15, 18, 2 1, 25 and 28 can be selected on the billing date, and the repayment date can not be changed by stages;

China Bank Credit Card: The billing date can be 7, 8, 9, 10, 12, 14, 15, 19, 2 1 23, 24 and 25.

Credit card of China Guangfa Bank: the system stipulates that only 6, 7, 8, 12, 13, 14, 23, 24, 25, 26, 27 and 28 can be selected on the billing date, and can only be modified once a year.

Knowing the regulations of major banks to modify the repayment date, card friends should act quickly. However, I remind you that it is best not to set the billing date of different credit cards on the same day to avoid excessive repayment pressure. The best way is to set the accounting days of several cards in different periods of a month on average, such as one in the early stage, one in the middle stage and one in the late stage, which is more conducive to the management of funds.

Ps: The longest overdue repayment date after account change can reach 100 days!

Credit card use skills

High frequency of swiping cards

In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can have an interest-free period in the bank and add a little extra wealth management income for yourself. On the other hand, you have virtually become an active user of the bank. Usually the bank will give a quota to the active users of the bank.

High consumption amount

Sustained and stable consumption time is long.

Generally speaking, for cardholders who have transactions every month for more than 1 year, the bank will take the initiative to withdraw money from their credit cards and the bank's withdrawal strategy. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are also higher.

More cash withdrawals

Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.

Card cancellation threat

In the era of credit card racing, if the customer service staff receives the application for returning the card, they will often beg in every way, ask the reason, and then give encouragement such as cash withdrawal and gift. However, for some state-owned banks or joint-stock banks with large card issuance, this method has gradually fallen behind and the success rate is very low.

Finally, it is necessary to remind cardholders that a high credit card amount does not mean everything. As long as it can meet personal consumption needs, it can be used normally. Cardholders should develop a good habit of using their cards, and use them according to their personal spending power. Don't spend money by swiping their cards indiscriminately.

Credit card repayment skills

Before you pay back by credit card, you must know:

1. Change the repayment time of credit card to three days after payday.

Generally speaking, the repayment date of a credit card is random, but this date can be modified manually.

You call the customer service number behind the credit card (don't make phishing calls) and switch to manual service. Tell the customer service to set the repayment date of your credit card on a certain day, and the customer service will help you deal with it.

Why did you choose to set the credit card repayment date three days after the salary was paid? My reason is simple. I will return my credit card as soon as my salary arrives. Even if there is something wrong with the credit card that day, there are still two days to buffer.

2, clear credit card repayment date and billing date.

The credit card bill date is the date when your credit card total amount is calculated within one month. The money on the bill is what you have to pay back on the repayment date in about 20 days.

The credit card repayment date is the day when you have to repay the credit card bill of last month.

3. How to check the current credit card bill?

There are many ways to check credit card bills. One is to bind the official credit card account on WeChat for inquiry. This method is my most commonly used, simple and convenient. The second method is to call the official number of the bank credit card. Some bank calls require you to wait 1 minute or more to make inquiries, which is relatively troublesome.

Credit card repayment skills:

Prompt 1, bind the peer savings card once and for all

The most worrying way of credit card repayment is to bind the bank savings cards of peers and automatically deduct the fees. It is more convenient if you bind the salary card. When the salary arrives, the money will be deducted automatically, which is safe and risk-free.

Of course, the premise is that your credit card repayment amount is less than your salary, otherwise, hehe, it is difficult to protect the gods.

But the problem of automatic repayment is also obvious:

1) must have a peer savings card.

2) Cary must have money, and she can't keep it for a fixed period, but she can only live (the question is which diaosi has money now and doesn't throw away the balance treasure? )。

Tip 2: Alipay wallet is the simplest and most widely used.

Although paying back the credit card with a savings card can be done once and for all, it is only suitable for a few people.

Now let's talk about the simplest and most versatile skill of credit card repayment-Alipay wallet.

Alipay's credit card repayment function is completely free, basically supporting all credit cards in China (I don't know if there are any that are not supported), and the payment speed is very fast. Many credit cards can arrive within 2 hours of the same day, and the latest is the next day.

The reason why Alipay's credit card repayment function is omnipotent is that Alipay can not only help its own credit card repayment, but also help others' credit card repayment, which is convenient enough.

Advantages of Alipay credit card repayment:

1, supporting multiple credit cards;

2. Support yourself and others' credit cards;

3. Support to call funds for repayment from Yu 'ebao.

Disadvantages of Alipay credit card repayment:

It can't arrive at the account immediately, and some banks won't arrive until the next day.

Tip 3: WeChat can also play credit card repayment.

Since WeChat added the mobile payment function of "wallet", WeChat is no longer a mobile chat APP, but a very convenient mobile payment tool.

Among them, the credit card repayment of WeChat is very easy to use. For users who don't have Alipay, WeChat's credit card repayment function is timely rain (otherwise, it will be repaid in other more tossing ways).

Advantages of wechat credit card repayment

1, which supports credit cards of multiple banks;

2. Support yourself and others' credit cards.

Disadvantages of wechat credit card repayment

The disadvantages of WeChat credit card repayment are the same as those of Alipay credit card repayment. Isn't payment immediate?

Tip 4: Lacarra repayment is a backup means.

If there are Lacarra machines in your company or nearby, you can use them to help you pay back your credit card.

Is there a handling fee for credit card repayment in Lacarra?

China Bank (except Shenzhen), China Construction Bank, Bank of Communications, Agricultural Bank, Industrial and Commercial Bank of China, Bank of Beijing and Agricultural Bank will temporarily implement the preferential promotion price of 2 yuan/pen for credit card repayment fees, while other banks will not handle the fees temporarily.

Isn't there any bank card to pay back the credit card?

If you forget to bring your savings card and bank card, you may not be able to repay, because Lacarra supports many banks to repay without a card.

Such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Beijing, Bank of Communications, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank, Minsheng Bank and Guangzhou Bank.

When will Lacarra's credit card repayment arrive?

China Merchants Bank and others can receive the account in real time, and CCB will wait for 3 days.

Advantages of credit card repayment in Laka Handan. com

1, which supports almost all credit cards in China;

2, you can pay by credit card, which is convenient and suitable for people without online banking and quick payment;

3. Some banks collect accounts quickly.

Disadvantages of Credit Card Repayment in Lacarra

There are too few repayment machines in Lacarra!

Tip 5. Try the mobile banking repayment on WeChat?

The above four methods are estimated to be the most mainstream credit card repayment methods. Finally, let me talk about some credit card repayment methods, such as mobile banking on WeChat.

At present, all major banks have opened official WeChat accounts. If it is bound, you can use the quick repayment function of the official WeChat account of the credit card to make repayment. However, this quick repayment operation is not fast at all.

Advantages of official WeChat account repayment of credit card

Your bank repays your credit card, and the repayment speed is generally real-time.

Disadvantages of official WeChat account repayment of credit card

1, mobile banking must have been opened;

2. Repayment can only be made by your own bank;

3. The credit card must be bound to WeChat.

This concludes the introduction on how to set the billing date of credit card and how to set the longest billing date of credit card. I wonder if you have found the information you need?