Repay once a month. After spending, the credit card holder's spending quota will be included in the next month's bill, and the cardholder needs to pay off the bill arrears of the month before the repayment date of the next month. The billing date and repayment date of a credit card are two different dates, and the repayment date is usually between 2 1 and 25 days after the end of the billing cycle. If the cardholder spends before the billing date, the repayment period will be shortened accordingly.