If the cardholder's credit card consumption on the billing date is included in the next bill, then the consumption on the billing date can enjoy the longest interest-free period; If the consumption on the billing date is included in the current bill, then the consumption on the next day of the billing date can enjoy the longest interest-free period.

The interest-free period of a credit card is used to exempt the cardholder from the interest on overdraft consumption, provided that the cardholder can repay in full, and the interest on overdraft withdrawal cannot be exempted.