After the credit card is approved, the bank will set the billing date and repayment date for each card. As soon as the bill comes out, you must start paying back. Under normal circumstances, the minimum repayment amount must be paid before the deadline of repayment date, otherwise there is a risk of overdue, which is likely to damage the credit information.

Although the cardholder has no autonomy on the billing date and repayment date, it is entirely up to the cardholder to decide when to swipe the card. Considering that different banks swipe their cards at different times, the safest way is to swipe their cards on the second day of the billing date, so that no matter whether the bank swipes the card on the same day or the next day, it can repay the money this month.