After the cardholder swipes the card with a credit card, the billing date mainly depends on the billing date of the credit card and the cardholder's consumption date. The cardholder spends money before the bill date of this month, so the consumption record is included in this month's bill. Cardholders need to repay on time before the repayment date of this month. Different bank credit cards have different billing dates. Usually cardholders can enjoy an interest-free period ranging from 20 days to 50 days, up to 56 days, and most banks have a grace period of 3-5 days. Cardholders need to pay off their debts on the last day of the grace period at the latest. For details, please call the manual customer service hotline of the issuing bank for specific consultation.