Credit card consumption can enjoy interest-free period after full repayment, but some people can only use it for more than 20 days, while others can use it for more than 50 days. The key lies in the difference between the interest-free period given by the bank and the time of swiping the card. Let's see how to use a credit card for more than 50 days today.

How can I use a credit card for more than 50 days?

The interest-free period of most bank credit cards is 20~56 days, such as 50 days for Shanghai Pudong Development Bank and Minsheng Bank, 52 days for China Construction Bank, 565,438+0 days for Minsheng Bank and Ping An Bank, and the longest interest-free period for Agricultural Bank and Industrial and Commercial Bank is 56 days.

But it doesn't mean that all consumers can use credit cards for 50 days, depending on the time of swiping. Usually, the billing date is the watershed, which is divided into two types: swiping the card on the same day and swiping the card the next day, depending on the bank regulations.

For example, ICBC, Bank of China, China Merchants Bank, Bank of Communications and China Everbright Bank have the longest interest-free period on the day of the bill. Agricultural Bank of China, China CITIC Bank, China Construction Bank, Huaxia Bank, Shanghai Pudong Development Bank and Industrial Bank have the longest interest-free period on the next day.

In order to give you a better understanding, here is an example of ICBC credit card:

ICBC's credit card can enjoy a 56-day interest-free period on the same day. For example, the cardholder's ICBC credit card, monthly bill 1, repayment on 25th of each month.

If the cardholder spends 5,000 yuan on September 1 day, all expenses between September 1 day and September 3 1 day need to be returned before1October 25, and the credit card can be used for 56 days. If it is consumed on September 30th, it will be repaid on October 25th, 10, but the shortest time is only 25 days, and the interest-free period is 30 days less.