Why should you never spend money on the bill date? In fact, the focus is still on the interest-free period of credit cards. Everyone knows that every bank has two interest-free periods. The longer interest-free period is 56 days, and the shorter one is about 20 days. The specific number of days depends on the time of card swiping and repayment time. It is decided based on the billing date as the watershed. As for not spending on the bill date, the biggest reason is that some banks credit the consumption on the bill date and must repay it in the current period. In this way, you can only enjoy the shortest interest-free period, such as Agricultural Bank of China, CITIC Bank, China Construction Bank, and Hua Xia Bank , Shanghai Pudong Development Bank, Industrial Bank, Postal Savings Bank, and Minsheng Bank, accounting for more than half of the 13 mainstream banks. If you want to enjoy the longest interest-free period, if you have credit cards from these banks, it is recommended to make purchases on the day after the statement date. In this way, the current month's consumption will be included in the next period's bill, and then you can repay the money after the next month's statement comes out. . Taking CCB as an example, if the bill date is the 27th and the repayment date is the 15th, consumption is made on April 28th, the bill is issued on May 27th, and the repayment is not until June 15th, the interest-free period is very long. Don’t think that multiple interest-free periods of more than ten or twenty days are of little use. You must know that many friends who are good at financial management can use this period to use the repayment money to buy a small fund to earn some income, and wait until it expires. You can transfer it to pay back your credit card, and if you are lucky, you can still make a small lunch. The above is the relevant introduction of "Never spend on the bill date". I hope it will be helpful to everyone.