If the credit card spending on the day of the billing date is recorded on the same day, the credit card spending on the day of the billing date is counted in the current bill, and it must be returned before the current repayment date. If you spend money by credit card on the day of billing, it will be counted in the next billing cycle if it is not recorded on the same day. Subject to the contents of the bill.

for example, on the billing date of April 5th, the repayment date is 2 days after the bill, so the credit card spending incurred from March 6th to April 5th must be repaid before April 25th, and not later than April 25th, otherwise it will be overdue, resulting in bad credit records, which will affect the future loan and credit card processing.

credit card spending on the day after the billing date enjoys the shortest interest-free period, while credit card spending on the day after the billing date enjoys the longest interest-free period.

Extended information:

In fact, different banks have different regulations on billing card swiping, as follows:

1. Consumption on billing date is included in the current bill: it needs to be repaid before the due repayment date of the current period, such as Agricultural Bank of China, China Construction Bank, Postal Savings Bank, China CITIC, Minsheng and Xingye, which all need to be repaid within 2/25 days.

some banks still have time requirements when counting into the current bill. for example, the consumption before 6pm on the billing date of CCB is counted into the current bill, and the consumption after 6pm is counted into the next bill. specifically, please ask the customer service of the bank.

2. The consumption on the billing date is included in the next bill: repayment can be made on the next due repayment date, and you can enjoy the longest interest-free period of 5/55 days. For example, ICBC, BOC, China Merchants, Transportation, Ping An, etc. can make repayment within 5/55 days.

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