1. If the consumption on the billing day is included in the bill, the consumption on the credit card statement date will be included in the month when the card is swiped. If the consumption on that day is not included in the bill, it will be included in the next month's bill. Every bank is different and needs to be looked at individually.

2. If the consumption before receiving the bill on the bill date is included in the current bill, it will be included in this month. It needs to be repaid before the repayment date of the current period. If on the bill date, I have received last month's bill, and the consumption after receiving the bill will be considered as next month's bill.

1. Credit card purchases generally enjoy the shortest interest-free period for purchases made on the bill date; purchases made on the day after the statement date enjoy the longest interest-free period.

1. Banks where credit card bills are credited immediately to daily purchases: Agricultural Bank of China, Bank of Shanghai, China CITIC Bank, Hua Xia Bank, Postal Savings Bank, China Construction Bank (consumption before 18:00), Shanghai Rural Commerce (19:00) Consumption before), Shanghai Pudong Development Bank (consumption before 21:00), Minsheng Bank (consumption before 22:00), Bank of Beijing.

2. Banks that do not record the consumption immediately on the credit card statement day: China Everbright Bank, Bank of Communications, China Merchants Bank, Bank of China, Industrial and Commercial Bank of China, Ping An Bank, Guangfa Bank. The billing date means that the card-issuing bank will regularly summarize and settle the various transactions and expenses that occurred in your credit card account every month, calculate the interest, calculate your total arrears for the current period and the minimum repayment amount, and send you Statement.

Disadvantages of credit cards:

2. The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of issuing credit cards by banks is to make money. When the interest is repaid, a high amount of interest will be charged, usually 50,000 per day.

1. Blind consumption: Swiping a card is not like spending money one by one like paying with cash. Once you swipe it, you feel nothing, just a few numbers, which leads to blind consumption and money flowing like water.

2. Excessive consumption: Installment of laptops, digital cameras, and smartphones. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.

3. High interest rates: If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge you high interest rates. (The minimum repayment for the first month of a credit card shall not be less than 10% of the overdraft amount of the month)