Under normal circumstances, swiping a card means that the card swiped in the current month will be returned next month, but it is not certain, and it should be distinguished according to the date of the bill.

Credit cards have reconciliation dates and repayment dates. The repayment date is generally 18- 20 days after the reconciliation date. If the consumption in the current month is before the reconciliation date, it needs to be repaid on the repayment date after the bill date. If it is consumed after the reconciliation date of this month, it will be repaid on the repayment date after the next reconciliation date.

For example, your billing date is 10, and the repayment date is 28th. If you spend before 12, the bill will be issued on the reconciliation date of 12, and you need to repay before the repayment date of 12. If it is consumed after 65438+February 10, the sunrise bill will be reconciled next month, that is, 65438+ 10/0, and the payment will be made before the repayment date of 65438+10/28.

To sum up, if the first credit card is issued at the beginning of the month, it must be returned that month. Therefore, in order to enjoy the interest-free period to the greatest extent, it is recommended to apply for the first credit card on the second day of the billing date, so that you can enjoy the interest-free period of at least 48 days.