Credit card and repayment reminding method thereof

The invention provides a credit card and a repayment reminding method thereof. The method comprises the following steps: obtaining a monthly repayment date from a memory when the real-time system dateof the credit card is updated; comparing the monthly repayment date with a real-time system date to determine whether the real-time system date is within a repayment reminding period or not; and whenthe real-time system date is within the repayment reminding time limit, sending a repayment reminder to the user. According to the method, the repayment reminder is sent to the user through the credit card, so that the user can receive the repayment prompt on time, and the overdue risk is reduced; and meanwhile, the risk of information leakage caused by reminding through a third-party APP is avoided. 本发明提供了一种信用卡及其还款提醒方法，所述方法包括：当信用卡的实时系统日期更新时，从存储器获取每月还款日期；通过比对每月还款日期与实时系统日期，确定实时系统日期是否在还款提醒期限内；当实时系统日期在还款提醒期限内，向用户发出还款提醒。本方法通过信用卡向用户发出还款提醒，可以确保用户按时收到还款提醒，减小逾期风险；同时避免了通过第三方APP进行提醒所造成的信息泄露的风险。