Credit card billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and mail the statement for you. This date is your credit card bill.

Credit card repayment date refers to the latest date when the issuing bank (or institution) requires the cardholder to repay the amount payable.

The due repayment date is also called the final repayment date. If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you may face the following penalties:

All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis;

Received a phone call or letter from the bank;

Freezing accounts and feeding back arrears records to the People's Bank of China and recording them in credit files will affect personal credit;

If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time, so that although there is no interest-free repayment period, you can avoid personal credit damage.