The repayment period of a credit card is usually between 20 and 50 days. This period will vary depending on the specific circumstances of the statement date and consumption date. The billing date is the 12th. If the consumption date is on the 11th, the interest-free repayment period is 20 days after the billing date, that is, within 20 days; if the consumption date is the 13th, then the consumption record will be entered into the account on the 12th of the next month, and interest will be waived at this time. The repayment period is 50 days after the bill date, that is, 30 days plus 20 days after the 12th of the next month, for a total of 50 days. It’s important to note that banks take these details into account when calculating, so actual repayment terms may vary.

To apply for a credit card, you generally need to meet the age limit of 18 to 60 years old, have a stable income and a good credit record. People who own real estate, cars, high education, or stable high-income jobs are more likely to be approved. In addition, if it is a credit card issued on behalf of the company's payroll card, the application process may be smoother.

When using credit cards, pay attention to the handling of overdue repayments. If it is no more than 20 days overdue, you can seek a grace period by repaying the loan in full and explaining the reason for the overdue payment, or insist on keeping good records with the card to cover the bad records. However, once it is overdue for more than 20 days, you should promptly contact the bank to repay the loan and try to eliminate the bad credit record. Overdue records will be kept for 5 years, even if they can be cleared from the credit system after 5 years. Therefore, it is important to maintain good repayment habits.