Two principles:

First, when will your salary be paid? If you have not received your salary on the repayment day, then this repayment day may be stressful for you.

Second, will you focus on shopping on certain days of the month? If so, then the billing date is best one day before your shopping collection date.

If the above factors are not taken into account, then the balance will be divided equally. The billing date for the new card is ideally on the 1st or at the end of the month.

Unfortunately, China Merchants Bank’s billing dates are available on the 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd and 25th of each month, and there is no one on the 1st or the end of the month. It can only be changed once in six months.