The longest interest-free period and next repayment date that can be enjoyed. The difference between credit card swiping first and then repaying and repaying first and swiping later is that it affects the longest interest-free period that can be enjoyed and the next repayment date. Credit cards can be divided into credit cards and quasi-credit cards, both of which have functions such as credit consumption, transfer settlement, cash deposits and withdrawals, etc. You can consume first and repay later, but the interest-free consumption and deposit interest are different.