The bill date and the repayment date are two very important dates in the credit card usage process. They usually appear on a fixed date each month and affect the cardholder's repayment stress and financial plan. So, how do you look at the bill date and repayment date? Let's explain it in detail.
Statement date refers to the date on which the credit card issuing bank regularly settles the transactions and expenses of the cardholder's credit card account in the current period, and settles the interest and calculates the current repayment amount of the cardholder. On the day of the statement, the bank will send the cardholder a detailed list of the current repayment due, including the amount spent, the amount withdrawn, the handling fee, etc. Cardholders can follow the prompts on the bill to understand their spending and the amount of repayment.
Repayment date refers to the last date by which the cardholder must repay the current balance owed on the credit card account. This date is usually a few days after the statement date, usually about 15 days after the statement date. Cardholders must pay off all outstanding amounts by the repayment date, otherwise they will incur bad records such as overdue and penalty interest.
How do you look at the bill date and repayment date? First, cardholders can find the date of the bill and the date of repayment through the printed information on the back of the credit card. In general, the date of the bill and the date of repayment will be clearly indicated in the printed information on the back of the credit card.
Secondly, cardholders can check the bill date and repayment date through the mobile app, official**, customer service** and other channels provided by the card-issuing bank. Generally speaking, these channels provide shortcuts to check the bill date and repayment date, such as clicking "My Bill" or "My Credit Card" in the APP, clicking "Credit Card" or "Bill Query" in the official **, and following the voice prompts in the customer service**.
Finally, cardholders can also check the bill date and repayment date by contacting the customer service of the issuing bank. The customer service staff will provide the cardholder with detailed information about the billing date and repayment date, and answer the cardholder's questions and confusion.
In conclusion, it is very important for cardholders to understand the bill date and repayment date. Knowing these two dates can help cardholders take better control of their finances and avoid bad records such as overdue and penalty interest. At the same time, cardholders can also better manage their credit card accounts by reasonably arranging the repayment method and time, improving their personal credit rating and credit limit, and other measures.