First, determine the date when you want to make the final repayment, and then determine that you want to change the billing statement according to the shortest interest-free days in the bank. For example, the shortest interest-free days of China Merchants Bank are 18 days, and wages are paid every month 15 days. I want to change the final repayment date to around 19, because sometimes the repayment may take several days, so my billing date will be pushed forward by 18 days, so I want to change the monthly billing date to 1 day.