With regard to credit cards, it has been flooded to the point that almost everyone has several sheets. If it is not a live card, it will not be generalized, but will you really use it for credit cards?
Let’s first understand the following groups of concepts.
Billing date and repayment date
Billing date: During the period of the first bill generation, the issuing bank will make a summary settlement of multiple monthly credit card accounts, including various transactions, fees, etc., settle the interest, calculate the total amount owed and the minimum repayment amount, and send it to you. In the mailbox. The time between last month and this month's billing date is a cycle.
Repayment date: On the last day of interest-free repayment, the overdue interest will be calculated.
The specific transaction of the card spending on the billing day is counted in the last cycle or the next cycle. The regulations of each bank are different. For details, please ask the customer service of each bank.
Interest-free period and longest interest-free period
Interest-free period: the time from the credit card consumption date to the repayment date, the length of this period is not fixed, depending on the time spent on your credit card.
The longest interest-free period: the period between the day after the previous month's bill and the date of repayment of this month, the length of time during this period is fixed.
Overdraft consumption and overdraft withdrawal
Overdraft consumption: including overdraft caused by consumer spending such as credit card spending, online payment, etc., this overdraft consumption has an interest-free period.
Overdraft withdrawal: withdrawal at the ATM machine, this overdraft is no interest-free period, starting from the day after the withdrawal, the interest is calculated on a daily basis, generally five-tenths of interest.
After understanding the above concepts, let’s take a look at some tips on credit card repayment.
Credit card repayment tips
1: Binding the savings card once and for all, after the savings card or salary card is bound to the credit card, automatic repayment every month is the most worry-free method, which can effectively avoid the wrong repayment date, the change of communication information and the failure to receive the bill. Overdue.
2: Modify the repayment date and make a good time difference. The credit card repayment date should be modified as much as possible within 3-5 days after the salary, which can effectively avoid the overdue credit card due to unexpected failure and late payment.
3, third-party platform repayment set up Alipay, WeChat and other third-party platforms have opened the laundry card repayment function, you can also set reminder repayment, mobile banking can also easily complete repayment, just move your fingers, repay no worries .
note:
Can I repay my credit card without paying the bill in advance? How to repay the unpaid bill?
I believe this is also the confusion of many friends. Next, Xiaobian will introduce you to the issue of credit card unpaid bills.
In fact, credit card unpaid bills can be repaid in advance.
In general, the credit card repayment order is that the credit card has already been billed before it has been billed. In the case of recruiting behavior, the China Merchants Bank Credit Card Center stipulates that “the repayment of the cardholders by CMB, reimbursement in the order of bills and bills not paid, and the annual bills, interest, fees, The cardholder's account is compensated item by item in advance of the cash principal, or the principal of the transfer transaction, and the credit card consumption.
For example: the cardholder's billing date is No. 5, 4/5 billing amount is ¥3000; 4/7 spending ¥1000, 4/8 cashing ¥2000 (withdrawal fee ¥20, cash out of 5/5 bill) In the middle), 4/10 wants to pay off the cash withdrawal portion. At this time, the cardholder needs to repay the amount = ¥3000+¥2000+¥20=5020.
That is to say, if you have both billed and unbilled bills, your repayments will be offset against the bills, and the rest will be paid.
If you do not have an unpaid bill, the amount of the unpaid bill is 0, and if you pay more back to the credit card, it is called the credit card "overpayment". Generally speaking, in addition to individual banks, there is a fee for taking out credit card overpayments, that is, credit card overpayments.
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