Credit card repayment dates are not assigned by month, but by billing date. If your billing date is set within a month, the card you swiped during that month will be refunded that month. If you set your bill date to be greater than one month, you can use it this month and repay it the next month. If you still cannot repay the loan on the repayment date, you can also choose to repay the minimum payment amount or even apply for installment repayment.

The repayment period of a credit card is calculated based on the billing date of the credit card and the consumption date of the credit card, and is not fixed.

The bank will inform the account statement date when the card is issued, and each bill will also have an account statement date. Repayment terms vary from bank to bank. Generally speaking, it is 18-25 days after the statement date, of which the shortest is 18 days for China Merchants Bank and the longest is 25 days for Industrial and Commercial Bank of China.

The period from the date of using the credit card to the statement date plus the repayment period is the interest-free repayment date. According to this calculation scheme, you can enjoy the longest interest-free repayment period for consumption on the day after the bill date, and the shortest interest-free repayment period for consumption on the day before the bill date. Generally speaking, the interest-free repayment period of a credit card is about 20 to 50 days.

Generally speaking, credit cards are swiped in the current month and returned next month, but this is not certain. A distinction should be made based on billing date.

Credit cards have reconciliation dates and repayment dates. The repayment date is generally 18-20 days after the reconciliation date. If the current month's consumption is before the reconciliation date, you need to repay on the repayment date after the bill date. If you consume after the reconciliation date of the current month, you need to repay on the repayment date after the next reconciliation date.

For example, if your bill date is the 10th of each month and the repayment date is the 28th of each month, if you consume before December 10, the bill will be on the reconciliation day of December 10 Issued, so you need to repay before the repayment date on December 28; if you consume after December 10, you can repay the sunrise of the next month (i.e. January 10) before the repayment date on January 28 Bill reconciliation and repayment.

To sum up, if the first credit card is paid at the beginning of the month, it should be repaid in the current month. Therefore, in order to maximize the interest-free period, it is recommended to pay your first credit card the day after the bill date, so that you can enjoy at least 48 days of interest-free period.

However, I would like to remind you that it is best to repay a few days in advance and not wait until the repayment date to avoid overdue repayment due to delayed arrival. Of course, every bank is different. You can call customer service for details.