Hello,

1. Consumption after the 22nd and including the 22nd of the billing date will generally be included in the next month's bill.

2. After you generate the bill, you can repay it on the 11th of the next month, or you can repay it in advance.

3. The repayments you make on and before the 11th are funds from the previous bill. If you repay after the 11th, it is overdue repayment.

For example, if your bill is on the 22nd of last month, and you repay after the 11th of the next month, it is overdue repayment. If you are Repayment on and before the 11th of the next month means repayment on time and in advance.

For more details, you need to call the bank where your credit card belongs to answer your questions.