1. Most banks have an interest-free period of 50 days. At present, the longest interest-free period is: Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank, etc. , the longest interest-free period can reach 56 days. The longest interest-free period of China Merchants Bank's credit card is 50 days, which varies from 20 days to 50 days depending on the time of swiping the card.
The interest-free period of major banks is as follows, in days:
China Industrial and Commercial Bank 25-56; Agricultural Bank 25-56; Bank of Communications 25-56; Bank of China 20-50; China Construction Bank 20-50; Postal savings bank 20-50; China CITIC Bank 20-50; China Merchants Bank 20-50; Everbright Bank 20-50; Industrial Bank 20-50; Minsheng Bank 20-50; Ping An Bank 20-50; Huaxia Bank 25-56; Rural commercial banks 25-56.
Extended data:
The longest interest-free period of a credit card is 56 days, which means that it can be repaid after 56 days. If you use related Internet financial products together, you can also extend the interest-free period.
At present, some Internet companies in the market have introduced interest-free products during credit purchase, such as JD.COM Baizhi and Bai Hua. These credit loan products have a certain interest-free period. For example, the longest interest-free period in JD.COM is 30 days, and the longest interest-free period in Bai Hua can reach 4 1 day. If these products are superimposed with credit cards, it is possible to get the longest interest-free period.
Among them, JD.COM IOUs can repay by credit card, while Bai Hua can only repay by debit card, Alipay balance and Yu 'ebao. Therefore, if the interest-free period of the credit card and the interest-free period of JD.COM IOUs are superimposed by time, you can enjoy an interest-free period of 86 days in the best case.
China Merchants Bank Credit Card Home Page-Interest-free Period
Baidu Encyclopedia-Credit Card Interest-free Period
People's Network-Clever use of credit cards can increase the interest-free period.
Which bank has the longest interest-free repayment period for credit cards?
The longest interest-free repayment period of credit cards is Bank of Communications and ICBC, and the 25th day after the bill date is the repayment date. The specific interest-free period should be calculated according to the consumption date and billing date. First, credit cards are generally consumed on the bill date, with the shortest interest-free period; 2. You can enjoy the longest interest-free period if you spend on the day after the bill date; For example, the billing date of the Bank of Communications credit card is the 20th of each month, and the repayment date is 15 per month. If the bill is consumed on July 20th, then the interest-free period is the shortest if it is repaid before August 15. If it is spent on July 2 1 day, it belongs to the bill of August 20, and should be repaid before September 15, so you can enjoy the longest interest-free period.
Interest-free period of bank credit card
Interest-free repayment period refers to the interest-free period from the bank bookkeeping date to the due repayment date. There are two ways to set the interest-free period. One is that the bank clearly stipulates that one day of each month is the deadline for interest-free repayment, and the interest-free period is the date between the bank's bookkeeping date and the deadline; The other is that the cardholder chooses a billing date according to his own needs, and then sets the latest repayment date according to the billing date, so the interest-free period is the date between the bank billing date and the latest repayment date.
I. Bank of China
The longest interest-free period of China Bank Credit Card is 50 days, and the repayment date is 20 days after the bill date. The bookkeeping date is fixed, and the repayment date is not fixed (in months and months). The billing date of BOC credit card can be adjusted by 1 time every natural year, provided that all bills need to be paid off.
Second, the Agricultural Bank.
The longest interest-free period of ABC credit card is 56 days, and the repayment date is 25 days after the bill date, and the repayment date is not fixed (in months and months). Bookkeeping date is given by the system and cannot be adjusted.
Three. Industrial and Commercial Bank of China
The longest interest-free period of ICBC credit card is 56 days, and the repayment date is 23 days after the bill date (calculated by 30 days per month), and the repayment date is fixed. The billing date can be adjusted once a year, and can be adjusted by phone or ICBC app.
Four. China construction bank
The longest interest-free period of CCB credit card is 50 days, and the repayment date is 20 days after the bill date. Now the repayment date is fixed, and the bill date can be revised once a year. If the accounting date changes, the repayment date will also change accordingly.
Verb (abbreviation of verb) Bank of Communications
The longest interest-free period of Bank of Communications credit card is 56 days, and the repayment date is 24 days after the bill date. The repayment date is fixed and will not change from month to month. The bill date can be adjusted, but the card can only be adjusted once during the validity period.
6. China Merchants Bank
The longest interest-free period of China Merchants Bank's credit card is 50 days, and the repayment date is 18 days after the bill date (with a span of 30 days). China Merchants Bank credit card, record the repayment the next day. When you need to pay attention, it is best to repay one day in advance. In addition, the billing date of China Merchants Bank can be adjusted, and it cannot be adjusted again within six months after a single adjustment.
Seven. Guangdong Development Bank
The longest interest-free period of Guangfa Credit Card is 50 days, and the repayment date is 20 days after the billing date (calculated by 3 1 day in a month). For example, the bookkeeping date is 2 1 and the repayment date is the 9th of the following month. GDB Platinum Card can adjust its billing date once a year. Ordinary credit cards cannot be adjusted.
8. China CITIC Bank
The longest billing date of CITIC Credit Card is 50 days, and the repayment date is not fixed, which is 19 days after the billing date. The credit card billing date of CITIC Bank can only be modified once every six months, and the modification range must beNo.. 1-20 (inclusive), and it shall not exceed 8 days before and after the original bookkeeping date, and shall take effect in the following month.
9. The longest interest-free period of Industrial Bank Industrial Credit Card is 50 days, and the repayment date is not fixed, which is 20 days after the bill date. The bookkeeping date can be adjusted twice a year.
Ping an bank
The longest interest-free period of Ping An Bank's credit card is 50 days, and the repayment date is fixed, that is, 18 days after the bill date, which will not change from month to month. The accounting date can be adjusted every six months.
Which banks have the longest interest-free credit card period of 56 days?
Which banks have the longest interest-free credit card period of 56 days?
The credit cards with the longest interest-free time are ICBC, BOC, ABC, Bank of Communications, Nanjing Bank and Bank of Ningbo.
General joint-stock banks offer cardholders a 50-day interest-free period. The longest interest-free period for joint-stock commercial banks such as Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, China CITIC Bank and Ping An Bank is 50 days.
For example, swipe your card at Ping An Bank on June 5438+065438+1October 2, and the repayment date is June 5438+February 2 1, with an interval of 50 days.
The "interest-free repayment period" of many bank credit cards is not the absolute value of the consumption date plus 50 days, but is calculated according to the difference between the consumption date and the billing date. It is precisely because the date of each month is 30 days and 365,438+0 days that there may be corresponding changes.
Need to be reminded that swiping the card in the shortest time after the bill date can enjoy the longest interest-free repayment period, and the closer to the bill, the shorter the interest-free repayment period enjoyed by swiping the card.
So much for the introduction of which credit card has the longest interest-free period.