Swipe the card on the Minsheng bill date. If the card is swiped before 22:00 on that day, the consumption amount will be included in the current bill. If the card is swiped after 22:00, the consumption amount will be included in the next bill. The time included in the bill will directly affect the user's repayment time. Only when it is included in the next bill, the user can enjoy a longer interest-free period.