The repayment date for ICBC credit cards is always the 25th of the next month, and the statement date is the first of each month. The money you spend on the 20th of this month cannot be billed until the 1st of the next month, so repayments before the 25th of the next month are interest-free. For example, let’s say you made a purchase on January 20th for 500 yuan. If the statement is issued on February 1st, then all repayments before February 25th will be interest-free.