Credit cards have two dates that the cardholder should pay attention to: one is the billing date and the other is the repayment date. These two dates are set by the bank, and the bookkeeping date directly affects the repayment date.

For example, the billing date is 15th of each month, and the repayment date is 5th of each month. If you spend money on 16th of April, the final repayment date of this consumption is 5th of June. If this month is 31st, you will enjoy the longest interest-free period of 5 days. If you spend money on April 14th, you must repay it before May 5th to enjoy the interest-free period, that is, the interest-free period is 2 days or 21 days.

in other words, the repayment date after the first account date after the consumption date is the final repayment date. You can enjoy the longest interest-free period for consumption one day after the repayment date. Therefore, the rule of the interest-free period is that the closer the consumption is to the account date in the future, the longer the interest-free period, and vice versa.