However, the shortest interest-free period for credit card consumption is 25 days, and the longest interest-free period is 56 days. There is no interest-free period for cash withdrawal.

Credit card consumption will be repaid in full before the final repayment date, with no interest and no charge; If interest is accrued only after overdue repayment, there will be no interest-free period for cash withdrawal, and there will also be a cash withdrawal fee.

The following situations are only for credit card consumption, and the cash withdrawal billing cycle is the same, but there is no interest-free period. The final repayment date of the Bank of Communications credit card is the 25th day after the bill date. Suppose the billing date of your credit card is the 2nd of each month (fixed), and the final repayment date is the 25th after the billing date, that is, the 27th of each month.

July 3-August 2 is a billing cycle, and the credit card consumption in this cycle will generate a bill on August 2, and August 27 is the final repayment date. Full repayment before this date is interest-free.

August 3-September 2 is a billing cycle, and the credit card consumption in this cycle will generate a bill on September 2, and September 27 is the final repayment date. Full repayment before this date is interest-free. And so on.

Therefore, if you swipe your card on the day of the bill, the interest-free period is the shortest, only 25 days (swiping your card on August 2 and making the final repayment on August 27), and swiping your card after the bill is the longest, with the interest-free period of 56 days (swiping your card on August 3 and making the final repayment on September 27). Be sure to know the billing date and repayment date of your credit card so as not to miss it.