Because the date of the credit card bill is calculated from a certain point in time last month, usually the 24th of the previous month, to the 23rd of this month, which is a billing cycle, and this month also The payment date is before the 23rd of the month. If you used 4,000 yuan of your credit limit that month and are prompted to repay 7,000 yuan next month, it means that your credit card payment date this month should be after the 23rd. At the same time, you still have 3,000 yuan in the last accounting cycle that has not been paid off before the 23rd.