In the case of China Merchants Bank's credit card, the consumption on the billing date depends on the settlement time of the merchant. Under normal circumstances, the merchant will settle the account on the second day of your consumption, so the consumption on the billing date will appear on the next bill and enjoy the longest interest-free period. However, if the merchant settles the bill in time and settles on the same day, the consumption on the billing date will be on the current bill and enjoy the shortest interest-free period. Subject to the bill display.