I. The credit card with the shortest interest-free period when swiping the card on the billing date is included in the current bill:

Agricultural Bank of China, CITIC, China Construction Bank (before 18:00), Huaxia, Pufa (before 2 1:00), Citigroup, Xingye (before 2 1:00), Postal Service, People's Livelihood (before 22:00), Beijing (before 22:00)

Second, the credit card with the longest interest-free period will be included in the next bill on the day of the bill:

Bank of China, ICBC, investment promotion, transportation, Ping An, Guangfa and Everbright. Different banks have different settlement methods for credit card bill-day consumption, which also determines when credit card bill-day consumption will be repaid. If the credit card billing date is included in the current consumption, you can enjoy the shortest interest-free period; if the credit card billing date is included in the next bill, you can enjoy the longest interest-free period and the repayment time can be extended. In addition, it should be noted that when the credit card is repaid on the billing date is also related to the cardholder's spending time. The bookkeeping date (for example, the bookkeeping date of Shanghai Pudong Development Bank is 2 1:00) belongs to the current consumption, and the excess is included in the next period.