How well do you know your credit card payment date? So, did you know exactly that the start date and the end date of the card payment are different depending on the payment date? The usage period for each payment date is the card usage period during which the card price charged on the payment date is calculated.
Kookmin Card-By payment date-Term of use-Daily-Check
Information on the period of use by Kookmin Card payment date
Some card users choose the payment date in consideration of their consumption patterns, the point in time when income comes in, and the period of use for each payment date. In fact, if you spend within a certain range every month and enough money is deposited in your bankbook to settle the amount, there is no problem in selecting a payment date without considering the usage period for each payment day. However, it should not be overlooked that otherwise, there may be a big difference in the amount to be paid on the payment date depending on the period of use for each payment date. 국민카드 결제일별 이용기간
Period of use by Kookmin Card payment date | lump sum / installment 좋은뉴스
Many people use credit cards to see the benefits provided when the previous month’s performance is achieved. The amount charged on the settlement date is the amount used during the period of use for each settlement day, but the previous month’s performance is generally based on the amount approved from the 1st to the last day of the previous month, so it is a different concept.
Billed amount – previous month – performance – difference – information
The amount charged on the settlement date is different from the previous month’s performance amount
However, if the period of use by payment date is from the 1st to the last day of the previous month, the performance of the previous month and the period of use by payment date according to the payment date are the same, so you do not need to think about whether to apply the benefits according to the previous month’s performance. In the case of Kookmin Card, the period of use for each payment day is 14 days from the 1st of the previous month to the last day of the previous month.
Payment date Card usage period
(Lump-sum payment / installment payment)
1 day before the 18th of the previous month – the 17th of the previous month
2 days ago 19th of the previous month ~ 18th of the previous month
3 days ago 20th of the previous month ~ 19th of the previous month
4 days before the 21st of the previous month – the 20th of the previous month
5 days before 22nd of the previous month – 21st of the previous month
6 days ago 23rd of the previous month ~ 22nd of the previous month
7 days before the 24th of the previous month – the 23rd of the previous month
8 days before the 25th of the previous month ~ the 24th of the previous month
The 26th of the month before the 9th – the 25th of the previous month
10 days ago 27th of the previous month ~ 26th of the previous month
11 days before 28th of the previous month ~ 27th of the previous month
The 29th of the month before the 12th – the 28th of the previous month
30th of the month before the 13th ~ 29th of the previous month
14th 1st of the previous month – the last day of the previous month
15th 2nd of the previous month – 1st of the current month
16th 3rd of the previous month – 2nd of the current month
17th 4th of the previous month – 3rd of the current month
18th 5th of the previous month – 4th of the current month
19th 6th of the previous month – 5th of the current month
20th 7th of the previous month – 6th of the current month
21st 8th of the previous month – 7th of the current month
22nd 9th of the previous month – 8th of the current month
23rd 10th of the previous month ~ 9th of the current month
24th 11th of the previous month ~ 10th of the current month
25th 12th of the previous month ~ 11th of the current month
26th 13th of the previous month – 12th of the current month
27th 14th of the previous month – 13th of the current month
For most credit cards, including Kookmin Card, the previous month’s performance is the amount of one-time payment approved from the 1st to the last day of the previous month. Although the standards differ depending on the card company and each card used, interest-free installment installments or the amount of use already discounted or accumulated may not be included in the previous month’s performance, and the short-term/long-term card loan amount is almost always excluded from the calculation of the previous month’s performance. . Therefore, in order not to be penalized, it is recommended to accurately check the conditions included in and excluded from the previous month’s performance for each card.
Previous month-Performance-Exclude-Include-Item-Detail-Information
Items included and excluded may vary depending on the card company and card type.
Period of use by Kookmin Card payment date | cash advance
Short-term credit card loans are a type of microcredit loan that can receive cash advances on a monthly basis. The period of use of Kookmin Card’s short-term card loan (cash service) by payment date is from the payment date of the previous month + 1 to the payment date of the previous month, and the same applies regardless of the payment date.
Card usage period (short-term card loan/cash service)
Payment date of the previous month + 1 day – payment date of the previous month
(If the payment date is Saturday/Sunday/Holiday, the first business day after that is the payment date)
Apply the same standard regardless of the payment date
For example, if the payment date is the 14th, the amount to be paid on September 14 is the lump-sum payment and installment amount used from August 1 to August 31 and the cash advance amount used from July 15 to August 14. This is the sum of the amount (when not taking into account whether the payment date is a weekend). If the payment date is a Saturday, Sunday or public holiday, the next business day will be the payment date.
Kookmin Card-Payment Date-Total-Amount-Details-Information-Information
Kookmin Card payment amount details
Many card users are unaware that cash advance payments can be repaid mid-term because the amount of cash service use and lump sum and installment payments are automatically settled on the day of credit card payment. It is possible and in this case the interest can be significantly lowered.
The reason is that the interest charged when using cash services is calculated and charged daily. is made. Although there may be differences depending on the card company and the type of card, all interest is accrued based on 00:00, so no interest may be accrued upon repayment on the same day.
▣ Kookmin Card Short-Term Card Loan | cash advance
Interest rate: 5.90% ~ 19.95% per annum (differentially applied according to personal credit score, etc.)
Fee calculation method: [(Short-term card loan (cash service) usage amount X fee rate by membership level) X number of days used / 365 (366 for leap years)]
Overdue interest rate: Normal interest rate + delinquency additional interest rate (3% p), within the legal maximum interest rate (20%)
Short-term card loan (cash service) is charged with principal and interest on the next payment date based on the date of use.
Strictly speaking, credit card cash advances are classified as loans using secondary finance, and regardless of the amount, even if you receive only one transaction, your credit score may be affected.
The reason why personal credit ratings are highly likely to deteriorate when using cash advances is that it is judged that there is a high risk of the user’s financial condition being insolvent enough to have to borrow money while paying the high interest rates of cash advances.