Hello, "billing date" refers to the date when the card issuer collects the accumulated outstanding principal of consumer transactions, principal of cash withdrawal transactions, fees, etc. Calculate the interest and the amount payable by the cardholder. "Due repayment date" refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by the card issuer (the consumption amount can be repaid before the due repayment date, and the credit card can be returned before 24: 00 at the latest). Credit card spending can enjoy interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date. Suppose the billing date is 7 days and the repayment due date is 25 days. For example, under normal circumstances, customers spend on August 6, bill on August 7, and need to repay on August 25, so the interest-free period is the shortest; If the customer consumes on August 7th, the bill will be issued on September 7th, and the repayment will be made on September 25th, with a maximum interest-free period of 50 days. That is, customers can enjoy the longest interest-free period if they repay all the amount due before the due repayment date (inclusive). If you have any questions about other CMB credit cards, please search for 4008205555 among QQ corporate friends and add CMB Credit Card Center as a friend. Or search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!