If all the transactions in the bill are consumption, you can enjoy the interest-free treatment of consumption as long as you pay in full before the due repayment date.

If there is an overdraft cash withdrawal transaction in the bill, the repayment shall be made according to the due repayment date and repayment amount shown in the bill. Then there will be interest on the next bill, because the withdrawal interest is calculated every day and compounded monthly. The bill shows the interest until the billing date, and there are 20 days from the billing date to the repayment date, so the interest during this period will be recorded in the next bill.