How To Change Billing Cycle of Axis Credit Card: In case you use a credit card, you are probably familiar with words like minimum payment due date, billing cycle, and payment due dates.
One of the most crucial concepts you should comprehend before or even when you first use a credit card is a billing cycle.
All of your transactions completed throughout a billing cycle are added together to create the final cost, which is roughly similar to a month. The billing cycle is used to determine the payment due date as well.
Although many individuals would like to, it is not actually possible to adjust the due date for credit card payments. To change the due date, you must have your billing cycle altered.
There are a few ways to adjust the billing cycle, albeit not all card issuers permit it. We’ll talk about how to change axis credit card billing cycle in this article.
What is Credit Card Billing Cycle?
The time between two consecutive statement creation dates can be used to establish a credit card billing cycle. It typically lasts 30 days and begins on the day your credit card is activated or when you receive it.
In other words, if you got a new card on the fifth of every month, your billing cycle would begin on the fifth and finish on the fourth. Your monthly billing statement is created based on a calculation of all the credit card purchases you made during this time.
You have between 15 and 20 days to settle your bills after adding up all the transactions you completed within a particular billing cycle.
Therefore, if your bill is generated on February 5th, it must be paid by February 20th or 25th. This describes the entire billing cycle and procedure for credit cards.
Can We change Axis Bank credit card billing cycle?
When it comes to adjusting the billing cycle for a credit card, it might not always be doable. You cannot always adjust your credit card’s statement cycle with the card issuer.
If you can persuade your card issuer to agree, you can accomplish this. If your credit card’s payment due date and the day you receive your income are on different dates, then your credit card is considered past due.
It becomes challenging to make timely payments in this situation because your savings account balance may have already been depleted.
For this reason, a lot of people wish to alter their billing cycle so that it corresponds with their pay date. Sometimes there might be more causes.
Many people who have numerous credit cards want all of their due dates to fall on the same day so they may people don’t know how to pay axis credit card bill and they pay all of their payments at once.
Easy Steps To Change Billing Cycle of Axis Credit Card
Any of the options listed below can be used to change the billing cycle for any Axis Bank credit card you may have that is not one of the cards previously mentioned.
#1. Branch Visit
You can also ask for a change in your billing cycle immediately by going to the nearby Axis Bank or our home branch if we wish to avoid using the aforementioned procedures.
You must have a written application asking to adjust the billing cycle in the name of the bank manager with you when you visit the bank.
#2. Chat with Support Team
The simple method for altering the Axis Bank Credit Card billing cycle is to use chat assistance.
In order to adjust the billing cycle of your credit card, there is no special area where you may start a chat on the chat support.
However, you are free to select any other category to discuss your issue with the chat representative.
#3. Contact through Mail
Through email assistance, we can also modify the billing cycle of our Axis Bank credit card. We do not receive a specific category in this instance either, but we are still able to use email help from any other category.
#4. Customer Care
By talking with customer care line and making a request, you can modify the billing cycle for Axis Bank credit cards in the simplest and most efficient method possible.
On the back of every credit card or the Axis Bank website, you can find the proper customer service number.
After customer service records your request, the billing cycle for your credit card will be adjusted within 24 to 48 hours. It could take up to 7 days in some circumstances.
एक्सिस क्रेडिट कार्ड के बिलिंग चक्र को बदलने के आसान चरण
नीचे सूचीबद्ध किसी भी विकल्प का उपयोग आपके किसी भी एक्सिस बैंक क्रेडिट कार्ड के बिलिंग चक्र को बदलने के लिए किया जा सकता है जो पहले बताए गए कार्डों में से एक नहीं है।
1. शाखा का दौरा
यदि हम उपरोक्त प्रक्रियाओं का उपयोग करने से बचना चाहते हैं तो आप नजदीकी एक्सिस बैंक या हमारी होम ब्रांच में जाकर तुरंत अपने बिलिंग चक्र में बदलाव के लिए भी पूछ सकते हैं।
जब आप बैंक जाएं तो आपके पास बैंक प्रबंधक के नाम पर बिलिंग चक्र को समायोजित करने के लिए एक लिखित आवेदन होना चाहिए।
2. सहायता टीम के साथ चैट करें
एक्सिस बैंक क्रेडिट कार्ड बिलिंग चक्र को बदलने की सरल विधि चैट सहायता का उपयोग करना है। आपके क्रेडिट कार्ड के बिलिंग चक्र को समायोजित करने के लिए, कोई विशेष क्षेत्र नहीं है जहां आप चैट समर्थन पर चैट शुरू कर सकें।
हालाँकि, आप चैट प्रतिनिधि के साथ अपने मुद्दे पर चर्चा करने के लिए किसी अन्य श्रेणी का चयन करने के लिए स्वतंत्र हैं।
3. मेल के माध्यम से संपर्क करें
ईमेल सहायता के माध्यम से, हम अपने एक्सिस बैंक क्रेडिट कार्ड के बिलिंग चक्र को भी संशोधित कर सकते हैं। इस उदाहरण में हमें कोई विशिष्ट श्रेणी प्राप्त नहीं होती है, लेकिन हम अभी भी किसी अन्य श्रेणी से ईमेल सहायता का उपयोग करने में सक्षम हैं।
4. ग्राहक देखभाल
ग्राहक सेवा लाइन से बात करके और अनुरोध करके, आप एक्सिस बैंक क्रेडिट कार्ड के बिलिंग चक्र को सबसे सरल और सबसे कुशल तरीके से संशोधित कर सकते हैं।
प्रत्येक क्रेडिट कार्ड या एक्सिस बैंक की वेबसाइट के पीछे, आप उचित ग्राहक सेवा नंबर पा सकते हैं।
ग्राहक सेवा द्वारा आपके अनुरोध को रिकॉर्ड करने के बाद, आपके क्रेडिट कार्ड का बिलिंग चक्र 24 से 48 घंटों के भीतर समायोजित किया जाएगा। कुछ परिस्थितियों में इसमें 7 दिन तक का समय लग सकता है।
FAQs
Q1. What is the billing cycle of Axis Bank credit card?
The 7th of the previous month marks the start of your credit card billing cycle, which ends on the 6th of the current month. All credit card transactions will show up on your monthly credit card statement during this time.
This covers any cash withdrawals, ongoing credit card EMIs, and all credit card payments.
Q2. Which is the best credit card billing cycle?
Few believe the best range is 25–28, while others think the best range is 1–5. Whichever date is preferable is when most banks submit their monthly reports to Cibil.
Every month’s 28th is a good day. The fact that certain banks report credit usage to CIBIL on 30/31 and others on the billing date as the reason
Q3. Is it better to pay credit card early?
The interest you pay is reduced if you pay off your credit card early. If you don’t pay off a credit card in full, interest is applied everyday the following month based on your daily balance.
This means that if you pay your bill up front, your average daily amount will be lower and your interest payments will be lower.
Q4. Is it good to pay credit card bill before generation?
You will have an advantage over the competition if you pay your credit card bills in full and on time because the credit card company will record a smaller amount to the credit agencies.
Your credit record will reflect this, giving you an advantage over other borrowers with a lower credit utilisation percentage.
Conclusion
if you tried to change billing cycle of Axis credit card and it doesn’t work, there are still other options you can try that we have discussed above in this article . If your card issuer permits it, you might attempt to have your statement cycle modified.
If they do not permit it, you can simply set up automatic payments and make payments far in advance of the due dates.
Just be careful not to make any payment errors since these can negatively impact your credit score. You are welcome to ask us any questions you may still have in the comment box below.
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