It is better to use the bill later because you can enjoy a longer interest-free period. The interest-free period for credit card repayments starts from the bank statement date to the final repayment date. The statement date is the day when the cardholder swipes the card for consumption. The final repayment date is the day when the cardholder should repay the money, which is usually 20 days after the bill date. days or 25 days. During the interest-free repayment period, as long as you pay off the current period's repayment amount (total amount owed) in full on the current statement, you do not need to pay interest on any non-cash transactions (cash advance loans) on funds advanced by the bank to the store. will not enjoy the interest-free discount).

Only when you swipe your card within the shortest time after the bill date can you enjoy the longest interest-free repayment period. The closer you swipe your card to the bill date, the shorter the interest-free repayment period you will enjoy. For example, the cardholder's bill date is the 13th of each month. If the cardholder swipes the card for consumption on October 14th, the last repayment date will be December 8th, and he can enjoy an interest-free period of up to 56 days; however, If the cardholder swipes the card for consumption on November 12, the final repayment date is still December 8, and only enjoys the 25-day interest-free period.