The final repayment date is billing date 18 days, that is, 7 days plus billing date 18 days, that is, 25 days. To be clear, the number of cards you swiped before the 7th of that month is the 25th of that month, and the number of cards swiped after the 7th is the 25th of next month. There is a handling fee for cash withdrawal and installment payment, which is also the repayment date. Installment payment just divides a sum of money into multiple installments. Although the amount of your repayment is less each time, it is not cost-effective to pay the handling fee. In addition to the function of credit card, this card is also the integral function of Ctrip. If you use this card to purchase air tickets and book hotels online, you can also enjoy the membership function of Ctrip. Please visit Ctrip. com for details.