The billing date is a cut-off point. Consumption before the billing date will be billed in the same month, and consumption after the billing date will be billed in the next month, so there is no need to pay it back together. Let’s give an example: All transactions from 10/16 to 11/15 are billed on 11/15. Twenty days after the bill date is the repayment date, so the repayment date is 12/5. For transactions from 11/16 to 12/15, the bill will be issued on 12/15, and the repayment date will be 2016/1/4. You can also find that if you swipe the card the day after the bill is due, you can enjoy the longest repayment period of 50 days.