Invoicing Date: the time when the current bill is generated. It is the day when the issuing bank regularly summarizes and settles all the transactions and expenses of your credit card account in the current period, calculates the total amount owed in the current period and the minimum repayment amount, and posts it for you.

Repayment date: the last day of interest-free repayment, after which the overdraft consumption interest will be calculated.

For example, if the billing date of a bank's credit card is 10 per month, and the repayment date is 28th of each month, and the consumption on the billing date is included in the previous cycle, all overdrafts generated between 20th of each month and 60th of last month will be repaid.

2. Interest-free period and the longest interest-free period

Interest-free period: the period from the date of credit card consumption to the date of repayment without interest.

Maximum interest-free period: the period from the second day after the bill date of last month to the repayment date of this month.

If you want to enjoy the longest interest-free period, you can make overdraft consumption on the day after the bill date of this month, then the time to return this consumption is the repayment date of next month.

3. Minimum repayment amount and full repayment:

Minimum repayment amount: the minimum amount of arrears that should be repaid on time every month. Repaying the minimum amount owed during the interest-free repayment period can avoid affecting personal credit records and paying liquidated damages.

Full repayment: During the interest-free repayment period, all debts shown in the bill will be paid in full. Only full repayment can exempt overdraft consumer interest.