Hello, if it is a China Merchants Bank credit card, the consumption on the billing day depends on the merchant's settlement time. Generally speaking, the merchant settles the bill on the second day of your consumption, so the consumption on the billing day will be included in the next bill. to enjoy the longest interest-free period. However, if the merchant settles in time and settles on the same day, the consumption on the billing day will be shown on the current bill and enjoy the shortest interest-free period. Subject to bill display.