33家信用卡結帳、截止日+變更時間統整 - 信用卡

By Irma
at 2021-02-20T14:55

Table of Contents

有鑑於卡版學習到很多信用卡新知,受益良多,在此拋磚引玉統整內容還請大家多指教+給予
更多的資訊。

偶爾會看到有人發文詢問結帳截止相關的文章,網路上google確實可以找尋到一些相關資料
卻是很片面或不完整的資料,希望透由各位的力量可以把資料補齊全,供所有人使用

主要分為銀行多久可以變更結帳和截止日期

目前銀行（信用卡）共33間

變更結帳日期：

半年變更一次（5家）：聯邦,新光,樂天,兆豐,華南

一年變更一次（11家）：星展,台新,中信,玉山,第一,永豐,安泰,國泰,元大,上海,富邦

一輩子一次（4家）：凱基,美運,匯豐,遠東

隨時變更都可以（7家）：花旗,日盛,臺企,臺銀,渣打,高雄,土地

花旗客服跟我說隨時變更都可以的2021年2月詢問

固定不能變更（6家）：陽信,三信,華泰,合作,彰化,台中

若用百分比來說：
一年33.33%
隨時21.21%
固定18.18%
半年15.15%
一次12.12%
第一名最多是一年變更一次
出乎意料剛剛華南客服共等了快1.5小時

結帳日期和截止日期各家都有所不同
截至日期為結帳+10-21天。
附圖統整給大家參考

https://i.imgur.com/fH9tstk.jpg

以上心得是自己一個一個打給客服的,至少打了33通電話以上,請鞭小力我一點,以上僅供參
考,詳細內容請洽官網最
準確,若需要修改歡迎留言提供

*若有違反版規請告知,我會第一時間修正,謝謝

另外這是卡版留言希望可以按照銀行代碼排序的圖表，一起附上來
https://i.imgur.com/Jpl7NGn.jpg

Tags: 信用卡

All Comments

By Candice
at 2021-02-24T01:46

原來凱基變成一輩子一次了?

By Joseph
at 2021-02-24T07:13

推好心

By Hedy
at 2021-02-27T12:45

推

By Queena
at 2021-03-04T10:55

彰銀的結帳日跟截止日打反了XD

By Candice
at 2021-03-09T04:49

感謝！彰銀是不是反了？

By Annie
at 2021-03-14T03:30

推好用心

By Carolina Franco
at 2021-03-14T11:44

推用心

By Tristan Cohan
at 2021-03-18T19:10

推

By Ursula
at 2021-03-21T07:38

感謝資訊

By Valerie
at 2021-03-25T00:35

永豐不只1天吧？我就不是25號XD

By John
at 2021-03-25T15:24

我永豐也不是25

By Frederica
at 2021-03-29T18:48

推好心

By Frederica
at 2021-04-01T10:24

彰化銀行等等我一起更新，不好意思，謝謝

By Margaret
at 2021-04-05T19:47

推

By Quanna
at 2021-04-07T13:29

推

By Freda
at 2021-04-08T10:49

推用心整理

By Aaliyah
at 2021-04-12T18:50

推用心整理！是說我永豐結帳是23號~~

By Hazel
at 2021-04-16T23:28

我永豐結帳日16號

By Caroline
at 2021-04-17T10:23

永豐一般戶月初最早的是5號有辦直銷卡的"只能"3號

By Andrew
at 2021-04-18T07:05

永豐5號結帳 20繳款

By Enid
at 2021-04-21T04:23

永豐5號結20付

By Doris
at 2021-04-23T03:28

另外建議依據銀行代號依序排列比較好找

By Irma
at 2021-04-24T12:09

推整理

By Mary
at 2021-04-25T15:51

好酷

By Linda
at 2021-04-29T07:45

一輩子只能一次的不能通融嗎......

By Victoria
at 2021-04-29T11:15

感謝整理，移到同一天超實用

By Lydia
at 2021-05-04T05:47

推

By Oscar
at 2021-05-04T18:28

凱基我二月打去變更是說一年一次

By Brianna
at 2021-05-06T16:00

推整理謝謝

By Thomas
at 2021-05-07T10:38

這個不推不行了！太讚了！之前有想過要統一一下結帳日

By Delia
at 2021-05-11T04:43

，但是有些客服好難打，或者客服不告訴你所有選項，後
來就放棄了～

By Anthony
at 2021-05-11T13:49

哇好用心

By Rebecca
at 2021-05-13T08:21

感謝!!~

By Megan
at 2021-05-13T12:36

推～很受用

By Todd Johnson
at 2021-05-14T06:41

請問大家都怎麼選結帳日，之前看有人建議部分月中部分月底

By Yedda
at 2021-05-15T16:30

不過是2016的文了，不知道現在是不是也適用

By Jacob
at 2021-05-16T07:56

怎麼選結帳日，看你發薪日決定繳款日，再回推結帳日

By Victoria
at 2021-05-18T15:14

一發薪水就拿去繳費，或者是薪水不動，近一個月再繳

By Mary
at 2021-05-22T13:41

想請教大家統一結帳日好？還是統一繳款截止日好？或者

By Wallis
at 2021-05-23T10:18

沒差？

By Michael
at 2021-05-24T14:51

集中月底到月初結帳依照日曆週期比較單純

By Anonymous
at 2021-05-27T04:19

每月月初可月結上個月花費很好記帳

By Emily
at 2021-05-31T15:28

推原PO！這幾天才再找相關資訊。另外結帳日選擇真要說的話
，是有一些考量在的。綜合來說，建議集中在23-25，最晚到2
7這期間，可謂是近可攻、退可守。

By Tracy
at 2021-06-04T10:22

補充富邦，也是一年一次，結帳日選擇為偶數日，最晚到26號
。

By Vanessa
at 2021-06-08T09:29

推一下沒想過變更結帳日過以後有機會試試

By Edwina
at 2021-06-12T23:42

推高高

By Quintina
at 2021-06-15T05:42

我是會統一結帳日，然後都抓靠近月底結帳，比較好算銀行

By Ophelia
at 2021-06-17T01:56

回饋

By Agnes
at 2021-06-21T14:41

用心推~

By Sandy
at 2021-06-21T18:49

建議設定看繳款日設定結帳日例如5號發薪繳款日就選5～1
然後所有銀行設定差不多日期，避免遺漏繳款

By Candice
at 2021-06-22T06:45

0號這樣結帳日大概就是20～25號，拿到薪水就全部繳清

By Edward Lewis
at 2021-06-25T03:13

結帳日月中，這樣雙11、12等活動刷滿後，CD較短

By Kristin
at 2021-06-27T01:03

感謝整理！原來樂天可以改結帳日，來研究看看

By Kama
at 2021-07-01T14:04

補充遠東加辦Bankee卡強制改結帳日為每月3號

By Bennie
at 2021-07-05T01:53

推整理

By Mary
at 2021-07-06T19:03

推！

By Jake
at 2021-07-08T00:47

推

By Joe
at 2021-07-12T13:54

推用心整理

By Kumar
at 2021-07-15T15:39

推

By Joseph
at 2021-07-20T09:31

推

By Noah
at 2021-07-20T12:52

感謝分享

By Madame
at 2021-07-25T08:39

凱基我二月初打去變更說一輩子只能一次

By Margaret
at 2021-07-29T05:11

推

By Jacky
at 2021-08-03T04:13

推整理

By Puput
at 2021-08-04T23:12

推

By Tracy
at 2021-08-08T06:01

推好心人花時間在等客服

By Franklin
at 2021-08-08T11:44

感謝整理！

By Olive
at 2021-08-09T06:53

推

By Necoo
at 2021-08-12T00:39

這篇真的很實用，已收藏

By Jack
at 2021-08-16T03:13

推，實用及用心整理分享

By Poppy
at 2021-08-19T12:25

推用心整理

By Jack
at 2021-08-23T12:58

推用心

By Mary
at 2021-08-25T20:29

推推，感謝分享

By Jack
at 2021-08-29T14:56

另外中信不同繳費方式，可選擇日期也略有不同，原Po可自己
看看就知道。
https://i.imgur.com/6ySPsKd.jpg
https://bit.ly/3aCwBHD

By Jessica
at 2021-08-30T08:29

永豐有3日結帳的，因為我就是3日結帳

By Selena
at 2021-08-31T12:42

實用推

By Vanessa
at 2021-09-01T04:58

永豐3日是因為辦了直銷卡例如東森或者美安卡

By Mia
at 2021-09-05T11:07

喔喔，的確是因為有直銷卡

By Selena
at 2021-09-05T19:31

像永豐國泰回饋在次月首營業日入帳戶的偏好選最後

By Candice
at 2021-09-08T18:08

好猛......推推

By Oliver
at 2021-09-10T09:41

推

By Thomas
at 2021-09-13T12:03

推用心整理~一目瞭然，想改那一家日期直接參考挺方便的。

By Barb Cronin
at 2021-09-15T16:35

推用心

By Franklin
at 2021-09-16T03:16

我更改結帳日都不打電話,直接在網路客服即時通改

By Ingrid
at 2021-09-20T02:15

推好心

By Jacob
at 2021-09-20T21:29

給推

By Damian
at 2021-09-23T12:04

台銀我是12號耶不過他比較特別假日會提早而不是延後
結帳然後繳款截止是結帳後10個"工作天" 不過我是很久以

By Enid
at 2021-09-26T23:54

很多家都有喔,根本不用打電話

By Gilbert
at 2021-09-29T18:53

前辦的或許新辦卡的有改?

By Michael
at 2021-10-02T22:01

直銷卡只能3號

By Olga
at 2021-10-07T15:26

其他卡就算你表格那些不能選3號

By Kelly
at 2021-10-09T08:38

一生只能變更一次如有停全部卡過又重辦也都包含嗎？

By Sandy
at 2021-10-11T20:55

推

By Thomas
at 2021-10-12T08:51

佩服

By Caitlin
at 2021-10-15T06:55

推用心

By Zenobia
at 2021-10-17T09:02

推用心且願意分享

By Dorothy
at 2021-10-19T03:04

感謝，我才想改中信不過才剛申請可以改嗎

By Odelette
at 2021-10-19T18:41

推用心

By Enid
at 2021-10-21T14:34

謝謝佛心整理分享！！

By William
at 2021-10-25T12:43

推

By Christine
at 2021-10-27T21:39

我的永豐以前是其他日子想改最早是5日，就改成5日
後來辦了直銷卡被改成3日

By Delia
at 2021-11-01T03:50

哇超有耐心的感謝分享

By Ursula
at 2021-11-02T14:44

推推

By Belly
at 2021-11-03T05:36

推推推這篇超棒!!

By Carol
at 2021-11-06T14:33

謝謝分享，非常實用！

By Audriana
at 2021-11-11T07:43

太神啦

By Audriana
at 2021-11-14T09:23

淚推超實用

By Faithe
at 2021-11-18T21:21

推

By Eden
at 2021-11-20T13:40

推

By Callum
at 2021-11-21T23:18

推一個

By Jessica
at 2021-11-24T02:54

推整理分享

By James
at 2021-11-26T12:04

推好心

By Olive
at 2021-11-29T10:50

推...小建議，重點在結帳日和繳款日，可以放在銀行後

By Kristin
at 2021-11-30T11:26

推！非常用心的分享

By David
at 2021-12-01T00:08

推一個！

By Anthony
at 2021-12-02T15:22

推

By Dinah
at 2021-12-03T13:27

謝謝你

By Rachel
at 2021-12-07T05:47

推

By Kama
at 2021-12-11T15:13

太佛啦

By Mary
at 2021-12-16T06:15

推好用心

By Damian
at 2021-12-20T19:42

謝分享

By Hedda
at 2021-12-21T16:49

推

By Hedda
at 2021-12-23T00:12

謝謝～～

By Hedwig
at 2021-12-25T08:15

推

By Joe
at 2021-12-25T23:05

補充渣打部分：若未辦理自動扣繳帳戶,結帳日有以下日期可
以選擇:2號結帳23號繳款、5號結帳26號繳款、13號結帳隔月3
號繳款、14號結帳隔月4號繳款、 19號結帳隔月9號繳款、26
號結帳隔月16號繳款、27號結帳隔月17號繳款若已辦理自動扣
繳帳戶,只有:5號結帳26號繳款、16號結帳隔月6號繳款、27號
結帳隔月17號繳款

By Rebecca
at 2021-12-28T07:43

台灣銀也有10號

By Donna
at 2021-12-29T15:27

結帳日

By Todd Johnson
at 2021-12-30T13:31

謝謝分享

By Puput
at 2021-12-30T22:42

推好心

By Aaliyah
at 2022-01-03T04:51

太威了，讚嘆原PO！

By Caitlin
at 2022-01-05T10:56

太辛苦了必推！

By Lauren
at 2022-01-07T15:27

不知道繳款日有啥重要，難道你戶頭還會不夠錢扣嗎==

By Irma
at 2022-01-11T22:49

直接ACH無感

By Jake
at 2022-01-15T20:38

辛苦原po了，推

By Ursula
at 2022-01-19T08:54

推整理

By Christine
at 2022-01-22T05:59

繳款日當然是重要的要繳款的時候帳戶才會放錢

By Hedy
at 2022-01-25T15:35

推用心

By Audriana
at 2022-01-30T06:34

去年才把所有信用卡結帳日統一，發現網路上提供的結帳日

By Donna
at 2022-01-30T09:23

很多都不正確

By Quanna
at 2022-02-04T05:47

再推，感謝大大

By Eartha
at 2022-02-06T23:33

推熱心

By Caitlin
at 2022-02-08T08:22

讚

By Quintina
at 2022-02-12T05:46

推

By Valerie
at 2022-02-16T07:35

實用

By Jacky
at 2022-02-17T21:02

推有心～

By Elizabeth
at 2022-02-19T16:13

推

By Valerie
at 2022-02-22T22:19

推

By Agatha
at 2022-02-25T00:02

推用心

By Dora
at 2022-02-25T22:37

太用心了，不推不行！

By Susan
at 2022-02-27T22:27

我的台銀是9號結帳，遇周末提前或順延，繳款期限+14日

By Daniel
at 2022-03-04T10:24

這個很實用，感謝整理

By Jake
at 2022-03-07T06:55

所以我在想可能預設結帳日是客戶生日那天

By Todd Johnson
at 2022-03-09T23:16

讚

By Joe
at 2022-03-13T12:29

謝謝分享

By Ula
at 2022-03-17T07:11

推

By Zanna
at 2022-03-18T01:08

我自己是有整理結帳日遇到例假日提前或延後或看心情這種
但是手持銀行沒有這麼多佩服您的整理

By Poppy
at 2022-03-19T04:25

國泰可以網路文字客服變更結帳日，不過我是大約2年前這麼
作的了，供參考

By Dorothy
at 2022-03-20T20:46

建議M文

By Necoo
at 2022-03-23T01:22

辛苦了

By Odelette
at 2022-03-26T20:12

推整理

By Noah
at 2022-03-28T08:28

推

By Ursula
at 2022-03-30T23:55

推用心

By Lucy
at 2022-04-03T11:13

辛苦了！統整能力很強！

By Hamiltion
at 2022-04-04T18:51

推用心

By Agnes
at 2022-04-07T23:42

有看有推

By Quintina
at 2022-04-10T11:23

推，謝謝原po整理

By Kumar
at 2022-04-13T05:24

用心推

By Ina
at 2022-04-15T18:01

推用心

By Genevieve
at 2022-04-20T11:18

推用心整理！

By Steve
at 2022-04-23T14:09

推用心

By Poppy
at 2022-04-24T00:18

推

By Mia
at 2022-04-24T05:42

推超用心

By Frederica
at 2022-04-26T19:44

超用心

By Barb Cronin
at 2022-04-29T00:09

推推

By Liam
at 2022-04-29T03:09

推

By Dora
at 2022-05-02T13:02

讚讚辛苦了

By Ophelia
at 2022-05-03T10:41

By Erin
at 2022-05-06T17:48

推用心

By Dorothy
at 2022-05-07T11:31

強

By Barb Cronin
at 2022-05-12T08:45

超用心，推一個

By Victoria
at 2022-05-15T10:53

推用心

By Andy
at 2022-05-19T20:40

感謝分享

By Yedda
at 2022-05-21T18:27

謝謝整理推好心

By Zenobia
at 2022-05-24T09:02

謝謝

By Joe
at 2022-05-27T15:56

非常用心！大推！

By Regina
at 2022-05-31T09:11

專業

By Michael
at 2022-06-02T10:24

這篇值得M 感謝

By Anonymous
at 2022-06-02T21:53

國泰可以文字客服變更樓上資訊正確

By James
at 2022-06-04T17:50

推～用心

By Cara
at 2022-06-05T02:06

請收下我膝蓋！

By Barb Cronin
at 2022-06-09T22:23

受用感謝

By Oliver
at 2022-06-12T15:26

推用心整理, 試過中信國泰可以線上申請(簡訊認證) 聯邦可

By Brianna
at 2022-06-15T18:27

以透過文字客服直接轉介真人電聯確認修改

By Oscar
at 2022-06-19T12:10

強者

By Eden
at 2022-06-22T19:09

推好心整理這鞭的下去不是人XD

By Megan
at 2022-06-24T19:03

國泰世華有1號結帳日喔！謝謝原po整理

By Todd Johnson
at 2022-06-27T11:22

推

By Gary
at 2022-06-29T11:57

統一月底結帳+1，這樣比較好算回饋

By Charlie
at 2022-06-30T07:31

台新的日期只能選逢2或逢7 一年可變一次剛剛變更完

By Mary
at 2022-07-02T19:38

推，感謝分享

By Tristan Cohan
at 2022-07-04T13:04

遠銀的呈現方式要怎麼理解？

By Dinah
at 2022-07-08T20:19

推用心

By John
at 2022-07-12T06:01

推用心

By Emma
at 2022-07-15T23:29

推好心

By Tristan Cohan
at 2022-07-17T11:43

強制結帳日可能是怕有人領完薪水就花光，最好薪水進來先
扣卡款，另外就是怕人一直改日期延後還錢

By Jacob
at 2022-07-18T18:09

我永豐是7號結帳耶

By Rebecca
at 2022-07-22T02:14

推

By Caroline
at 2022-07-26T06:39

推

By Oliver
at 2022-07-27T20:10

等華南一個半小時···

By Bennie
at 2022-07-31T22:02

推用心整理

33家信用卡結帳、截止日+變更時間統整 - 信用卡

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