The credit card bill date refers to the date when the bank gives you the bill, which is also the bill date. \x0d\ repayment date refers to the date before which you must repay, otherwise there will be bad records and interest will be generated. \x0d\ For example, the settlement of China Bank is from 1 to the end of each month. For example, if you spend money at 1 1, then this month's bill (bill date) will be issued at 1 1. Your repayment before 65438+February 20th is interest-free. If not, there will be interest and bad records. If it is consumed on165438+1October 30th, the repayment date is also 65438+February 20th. And so on. As a reminder, the repayment date and billing date of each bank are different. The regulations of different banks are slightly different. The latest repayment date is generally 20 or 24 days after the bill date. \x0d\ The relationship between billing date and repayment date remains unchanged. As long as the bill is issued, it must be repaid within 20 days. The biggest advantage of \x0d\ is that you can overdraw first and then repay. \x0d\ Some banks are fixed on the billing date, and some will mail it to you on the day when you approve the card, that is, the billing date (such as China CITIC Bank) is beneficial for customers to get the card before opening the card, just after the billing date. The biggest advantage of using a credit card is that you can overdraw first and then repay, and enjoy an interest-free period. Interest-free period refers to the time between the loan date (bank bookkeeping date) and the due repayment date. Because customers have swiped their cards and enjoyed different interest-free periods. At present, the interest-free period of all banks is about 20 days to 50 days. In order to fully enjoy the interest-free period, we must find out the billing date and repayment date of Chu Bank and calculate the repayment time before overdraft consumption. \x0d\ Take ICBC Peony International Credit Card as an example. The bank bookkeeping date is the last day of each month, the bookkeeping period is 1 to the bookkeeping date, and the repayment date is the 25th of the following month. For example, if you spend money by credit card on March 30, March 3 1 is the billing date of ICBC, and you can enjoy a 25-day interest-free period if you repay it on April 25 at the latest. April 1 credit card spending, billing date is April 30th, repayment date is May 25th, and you can enjoy the interest-free period of 56 days. \ x0d \[ Edit this paragraph ]\x0d\ Specific regulations of banks shall prevail. \x0d\ Users will get a billing date at random when applying for a credit card. \x0d\ Some banks have more than one billing date, such as China Merchants Bank, which has three billing dates, namely 5th,15th and 25th, corresponding to 23rd of the current month, 3rd of the following month and 60th of the following month respectively. Users will get a bill at random when applying for a credit card, but you can also ask the bank to change it according to your consumption habits. For example, you often spend money at the beginning of the month, and it is more cost-effective to choose the 5 th as the bookkeeping date. \x0d\ If only the minimum repayment amount is paid, the interest will be calculated by subtracting the money paid by you one by one according to the priority. Starting with the sum that is not enough to pay, calculate the interest of five ten thousandths of a day from the card swiping date (note that the starting date is the card swiping date instead of the billing date) until you pay it off. \x0d\ Attachment: \x0d\ List of credit card billing date and repayment date of banks \x0d\ Final repayment date of interest-free billing date of banks and customer service telephones \x0d\ ICBC Peony International Card \x0d\ 95588 25-56, the last day of each month, 25th of the following month \x0d\ CCB Longka \ x0d \ 25-56 of 95599 is 6544995555 20-50, 5th of each month, 15 or 25th, 23rd, 3rd or 3rd of the following month \x0d\ x0d \ 95508 20-50, which is divided by cities, and each city has its own accounting date and cannot be changed. For example, the billing date in Beijing is. 9556 1 8th, 20th-50th,18th,1day, and 2 1 day of each month, and each cardholder can pay the bill on 20th \x0d\ x0d \ 95558 26-26. The 26th day after the billing date \x0d\ SDB \x0d\ 9550 1 20-50, and the monthly 10 is the bank billing date \x0d\ Pufa \x0d\ 95528 20-50, which is generated by the system and fixed for each cardholder. 20th day after the billing date \x0d\ Bank of Communications \ x0d \ 95559 The billing date from 25th to 56th day of each month is generated by the system, which is fixed for each cardholder and cannot be changed. The following month 1 5th \x0d\ Minsheng Bank \x0d\ 95568 20-5th1day,1day, 3rd, 6th and 9th, 1 1 day,/kloc. 20th day after the bill date \x0d\ China Everbright Bank \x0d\ 95595 20-50 days, monthly 1 day, which cannot be changed. On 20th of each month \x0d\ Huaxia Bank \ x0d \ 95577 26th-56th, the billing date of each cardholder is different, and your billing date of each period will be listed on the statement. You can only change the 26th day \x0d\ Bank of Beijing \ x0d \ 400660116920-50 days after the bill date once a year. The 27th of each month is the 20th day after the bill date \x0d\ Ping An Bank \ x0d \ 4008824365 18-49, 5th, 10, 15, 20th, 25th, 18. \x0d\ Note: The bill can only be adjusted once a year; You can only apply for adjusting the bill date after receiving the first bill. For example, customer A's bill date is the 3rd of each month, and he can only modify the bill date after receiving the first bill in the following month, that is, the premise of modifying the bill date is that the bill has been generated on the original bill date and can only be adjusted once a year. On the 20th day after the billing date \ x0d \ x0d \ the cardholder shall apply for change after the billing date under the condition that the account is normal and there is no outstanding debt; \x0d\ is subject to the regulations of each bank. When using the card, if you can't remember it or don't know it clearly, you'd better call the manual customer service first to ask, so as not to generate high interest.