The credit card is swiped after the bill is issued. According to the relevant query information, whether the credit card is swiped before or after the billing date, the billing date is the date when the credit card is issued. If the credit card is swiped before the billing date, the payment will be made on the current repayment date. If the billing date is swiped after the billing date, the payment will be made on the next repayment date. Repayment, interest-free period is longer.