The period of use by payment date refers to the period of use of the card for which the amount charged on the payment date is calculated. During this period, the amount paid by credit card will be withdrawn from the connected payment account (passbook), and the period of use for each payment date will vary depending on each payment date.
KB Kookmin Card-by payment date-period of use
What is the period of use by payment date? The card usage period for which the amount charged on the payment date is calculated.
Although there are differences between credit card companies, in general, the period of use for lump sum/installment transactions and the period of use by payment date for cash services are different. Therefore, the total amount to be paid on the payment date must be calculated separately for the lump-sum payment and installment payment amount and the amount used for cash advance. 국민카드 결제일별 이용기간
KB Kookmin Card Usage Period by Payment Date 좋은뉴스
[1] Lump-sum payment / installment
Payment Date Credit Period (Lump Payment/Installment)
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
In order to easily check the monthly consumption amount and to fully enjoy the credit card benefits through the achievement of the previous month’s performance conditions, it is recommended to select the payment date from the 1st to the last day of the month for each payment day. The payment date that satisfies these criteria is 14 days.
Effective – by payment date – period of use – setting
If you are constantly confused about the value of the card you used, select the payment date from the 1st of the previous month to the last day of the month.
[2] Cash service
Payment date Card usage period (cash service)
regardless of payment date
Payment date of the same previous month + 1 day
~ Payment date of the previous month
■ If the payment date is a Saturday/Sunday/Holiday, the first business day thereafter
■ If the statement preparation date is a non-working day, the previous business day shall be the reference date, and in this case, the end date of the period of use shall be the statement preparation date.
■ Cash advance limit occurs on the first day of the card usage period for each payment date. (Payment date + 1st day)
■ Cash service usage limits are integrated and operated within the total limit, so they occur only within the monthly limit within the remaining limit.
You can change the payment date by requesting a change to the customer center (☎ 1588-1688) or through the KB Kookmin Card website or app. (→ KB Kookmin Card > My KB > Change information > Change payment information, available after logging in)
Change of payment date
① Late Change the billing amount on the payment date before the change and defer the billing to the payment date after the change
② The billing amount on the payment date before the change is advanced to the changed payment date.
Late payment date Pull payment date
Payment due within the last 3 months
In case of delay, re-dance is not allowed. Changed payment date within the last 3 months
In any case, it can be changed again.
■ If you are overdue for the usage fee (excluding annual fee), you may not be able to change the payment date.
■ If you are a CMS payment account member, you may not be able to change your account from 1 business day before the change to the next business day of the payment date.
■ When changing the payment date, the change of the payment date may be restricted depending on the payment date, the amount of the billing amount, and the increase in the deadline for each payment institution.