Repay before the last repayment date and enjoy interest-free treatment. If the consumption is included in the current bill the day before the billing date, it enjoys the shortest interest-free period, which is 20 days for most banks; If it is the second day after the bill date, the consumer will enter the next bill and enjoy the longest interest-free period, which is 50 days in most banks. Therefore, the cardholder repays in full before the final repayment date, without interest; If you don't repay on time, you won't enjoy the interest-free period. From the transaction bookkeeping date, the interest will be calculated in full at the interest rate stipulated by the bank and compounded monthly. At the same time, your credit card will be overdue, resulting in a bad credit record.