What is the latest payment date for a Bank of Communications credit card?

What is the latest payment date for a Bank of Communications credit card?

It seems that everyone’s repayment date is different. Mine is on the 6th of every month. Generally, the repayment date is the day following the month you first swipe the card. It's okay if you don't know. If you haven't paid it back when your repayment date comes, the Bank of Communications staff will call you. Alternatively, just call the hotline on the back of your card, go to a human service desk, and ask them to check it for you.

What is the repayment date for Bank of Communications credit cards?

Credit card statement dates and repayment dates can be changed. It is recommended to call the customer service number of the Bank of Communications to check the repayment date of your credit card.

How to change the repayment date of Bank of Communications credit card

The repayment date of Bank of Communications cannot be modified, but the statement date can be modified. Each credit card can only be modified once, and the statement date can be modified. After completion, the repayment date also changes with the bill date. The final repayment date is generally about 20 to 25 days after the bill date.

1. Repayment due date: refers to the last date specified by the Bank when the cardholder should repay the entire repayment amount or the minimum repayment amount.

2. Statement date: refers to the bank’s monthly summary of the cardholder’s accumulated unpaid consumption transaction principal, cash withdrawal transaction principal, fees, etc., calculates interest, and calculates the cardholder’s The date on which the current payment amount is due.

3. Interest-free repayment period: refers to banks that can enjoy interest-free treatment for consumer transactions on the premise that the cardholder repays the entire amount due before the due repayment date (inclusive) The time between the accounting date and the repayment date.

So, if you want to change the repayment date, you can modify the billing date so that the repayment date meets the needs of the cardholder.

The Bank of Communications credit card repayment date problem is urgent.

If your last repayment date is the 3rd, then the 3rd is the last day, and it is of course okay to pay on the 3rd. However, it is recommended to try to pay it back one or two days in advance to prevent the system from arriving in time.

The final payment date of the Bank of Communications credit card is the 27th. What date can the bill be sent to Xuzhou?

The last payment date on the 27th will be the bill that will be sent around the 10th? Why don’t you use email? Here's the bill! Is it more convenient to mail the bill? You can call the credit card center to change it

How to change the repayment date of the Bank of Communications credit card

1. To change the bill date of the Bank of Communications, you need to call the Bank of Communications credit card customer service After the modification, the cardholder still needs to make repayment according to the current bill; cardholders should pay close attention to the revised effective date of the next bill or call the credit card customer service hotline to inquire;

2. The billing date for Bank of Communications business cards is a fixed billing date and cannot be modified.

What time does the Bank of Communications credit card repayment date count?

Before 9 pm.

The repayment date for a Bank of Communications credit card is 25 days after the statement date. When calculating the repayment date, if it spans multiple months, the difference must be made. For example, April 4th is the billing day, then the card consumption within the billing cycle from March 5th to April 4th will be billed after April 4th, and the repayment date is April 29th, and it cannot be later than April 4th. Repay the loan on the 29th of the month, otherwise it will be overdue, affect your personal credit record, and incur interest and late fees.

The shortest interest-free period will be enjoyed by swiping the card on the billing day, and the longest interest-free period will be enjoyed by swiping the card on the second day of the billing day.

How to calculate the repayment date of Bank of Communications credit card

Generally, it is 20 days after the statement date. However, the latest repayment date is already determined when the credit card is approved. For accuracy, you can call the credit card customer service number to check.

The minimum repayment amount is controlled by the bank, and you cannot set the minimum repayment amount yourself. You can apply for minimum repayment when your credit card is due.

The specific credit card repayment deadlines and penalties are as follows:

If you pay it off in full, no fees will be incurred;

Credit cards generally have three days after the repayment date. Grace period, repayment within the grace period is deemed to be repayment on time;

If you repay the minimum repayment amount, daily interest needs to be calculated, starting from the date of consumption accounting;

If If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue, and interest will be calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount will be charged on a monthly basis. ;

The specific daily interest rates may vary for various credit cards.

How to check the repayment date of Bank of Communications credit card

Every month's statement will show the billing date and repayment date. You can also check the last repayment date by phone.

How to calculate the credit card repayment date?

The repayment due date is 20 days after the bill date. Since the number of days in each month is different, February has a special number of days. It is recommended that you arrange your repayment accordingly. For payment matters, you can check your credit card bill through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, and online banking. Please refer to the due date shown on the bill for the specific date.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

What does the last repayment date of a credit card mean?

You have to pay back the money you borrowed. As the name suggests, the last repayment date of a credit card is the last day that the bank asks you to repay. To answer this question, you need to know Your credit card statement date and which bank's credit card.

For example: the final payment date for Bank of Communications credit cards is the 25th day after the bill date, and full repayment before the final payment date is interest-free. Assume that the bill date is the 8th (fixed), that is to say, the bill is generated on 9.8, recording the transactions between 8.9 and 9.8, and the final repayment date is the 25th day after 9.8, which is 10.3. If a bill is generated on 10.8 and records the transactions between 9.9 and 10.8, the final repayment date is the 25th day after 10.8, which is 11.2, and so on.

Obviously, the interest-free period for 9.8 purchases on the bill day is the shortest, with 25 days (9.8 purchases, 10.3 repayments), and the 9.9 consumption on the first day after the bill date is the longest, with 56 days (9.9 purchases, 11.2 repayments) ). It should be noted that there is an interest-free period only for card purchases, but there is no interest-free period for cash withdrawals. The interest-free periods of various banks are as follows:

Banks with interest-free periods of 18-48 days: China Merchants, Ping An;

Banks with interest-free periods of 20-50 days: Guangfa, CITIC, China Construction, China Everbright, Industrial Bank, Minsheng, Shenzhen Development Bank, Pudong Development Bank;

Banks with interest-free period of 25-56 days: Huaxia, Industry and Commerce, Transportation, Agriculture.

Relevant knowledge about credit card repayment date:

1. Transaction date

The date when the cardholder actually uses the card for consumption, cash withdrawal, repayment and other transactions.

2. Bank Accounting Date

The date on which the transaction amount is credited to the account after a card transaction occurs, or the relevant fees and interest are credited to the account in accordance with regulations. Generally, domestic consumption by swiping a card can be credited to the account the day after the transaction date; overseas consumption, it may take several days to be credited to the account.

3. Billing date

refers to the date when the bank counts all consumption situations in the user's billing cycle, such as the statement date of China Merchants Bank on the 7th; some banks can modify it, such as China Merchants Bank. Some cannot be modified, such as China CITIC Bank and China Everbright Bank.

4. Repayment due date

Refers to the final repayment period of the current statement. If you fail to repay after the period, corresponding fees will be charged. The repayment due date for general banks such as China Construction Bank is 20 days after the bill date, for some banks such as Bank of Communications, it is 25 days after the bill date; for some banks, such as Shenzhen Development Bank, it is 19 days after the bill date.

5. Interest-free period

For non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The minimum interest-free repayment period is 20 days and the maximum is 56 days (each bank credit card will have different interest-free periods). During this period, as long as the amount due for the current period on the current statement is paid in full, you do not need to pay anything. For non-cash transactions, the bank advances interest on the funds to the store.

The Bank of Communications credit card statement date is the 23rd. When is my last repayment date?

The bank statement is due on the 23rd, and the repayment date is the 18th. You can continue to use it after repayment. Calculation method for the interest-free repayment period of Bank of Communications credit cards:

The due date for payment of Bank of Communications credit cards is 25 days after the statement date. For example, the bill date is the 10th of each month, and the due repayment date is the 5th of the next month.

The interest-free repayment period starts from the bill date and ends on the due repayment date. The Bank of Communications credit card has the best The long interest-free period is 56 days, and the shortest is 25 days. The length of the interest-free period varies depending on the date on which the card is swiped. The longest interest-free period can be enjoyed by spending the day after the bill date.

Extended information:

The repayment due date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

In fact, the due payment date is the last day of the interest-free repayment period. Repayments before this are interest-free. Overdue interest and late payment fees will be charged. The interest-free repayment period is different for each bank. For example, for a Bank of Communications credit card, the bill date is the 3rd of each month, and the due date for the bill on November 3, 2012 is November 28, 2012.

Repayment due date_Baidu Encyclopedia

This is the end of the introduction about the final repayment date of Bank of Communications credit card and whether it is possible to repay on the last repayment date of Bank of Communications credit card. Do you know where you found the information you need?