Because the credit card was swiped on the same day, the banking system needs to charge the next day. Therefore, credit cards can be repaid before the next repayment date and enjoy a longer interest-free period.

Different banks have different billing dates: Agricultural Bank of China, China Construction Bank, Postal Savings Bank, China CITIC Bank, Minsheng Bank and Industrial Bank. They are all recorded on the same day of consumption, but the details still depend on the time of swiping the card. Generally, current bills are calculated by credit card on the accounting day, and must be repaid before the end of the last repayment day of this month, so that you can only enjoy the shortest interest-free period, about 20 days.