For the current month, the billing date refers to the settlement date, which is based on 24:00 on that day. Therefore, the amount consumed on the settlement day will be regarded as the consumption of the previous month and listed on this month's bill.

The credit card statement date refers to the card-issuing bank's regular monthly summary and settlement of various transactions and expenses that occurred in the credit card account in the current period, and the calculation of interest, and calculation of the total amount owed and the minimum repayment amount for the current period. , and the date the statement is mailed.

Generally, the billing date of bank credit cards is designated and cannot be modified. For example, if the billing date is the 10th, then consumption after the 10th will enjoy a longer interest-free period. For example, consumption on the 11th will Enter the bill on the 10th of the next month, and the repayment period will come in about 20 days (you can enjoy a total of 50 or 56 days). At this time, you will enjoy the longest interest-free period; if you make a purchase on the 10th, enter the bill on the same day. Bills need to be repaid after 20 days, which is the shortest interest-free period; so when making purchases, try to choose recent purchases after the 10th, so that you can enjoy a longer interest-free period.

The interest-free period for credit card repayments starts from the bank’s debit date to the final repayment date. The debit date is the day when the cardholder swipes the card for consumption, and the final repayment date is when the cardholder should repay the money. The date is usually 20 or 25 days after the bill date. During the interest-free repayment period, as long as you pay off the current period's repayment amount (total amount owed) in full on the current statement, you do not need to pay interest on any non-cash transactions (cash advance loans) on funds advanced by the bank to the store. will not enjoy the interest-free discount).

The statement date of each bank is not the same day. And for the billing date, some banks also provide the function of modifying the billing date, making repayment more flexible.

China Construction Bank: The available billing days include the 2nd, 5th, 7th, 10th, 12th, 13th, 15th, 17th, 19th, 22nd, 23rd, 24th, 25th, 26th and 27th of each month. Change once every calendar year.

Industrial Bank: The 2nd, 4th, 6th, 8th, 15th, 18th, 11th, 21st and 23rd of each month are the billing dates, and cardholders can change them every six months

Minsheng Bank: The 1st, 3rd, 6th, 9th, 11th, 13th, 16th, 19th, 21st, 24th, 26th and 28th of each month are the billing days, which can be changed once per calendar year.

Ping An Bank: The 5th, 10th, 15th, 20th and 25th of each month is the billing date; it can be changed once a year