The calculation of credit card bill date and repayment date is simple and clear. If your bill date is the 12th of each month, then if you start consumption on the second day after the bill date (the 13th), the longest interest-free period will come, that is, the 5th of the next month will be the repayment date. And if you consume on the bill date, then the 5th of the following month is the shortest interest-free repayment date.

The payment due date is an important date. It marks the deadline when the bank requires you to pay off the current bill. This date is usually within a period of time after the bill is generated. For example, the Bank of Communications credit card bill date is the 10th. For a bill generated on May 10th, the due date for repayment is the 4th of the following month. If you repay in full before this date, your consumption will enjoy interest-free treatment. Otherwise, the bank will charge interest and late fees.

If funds are tight at maturity and it is difficult to repay the full amount, you can choose the minimum repayment amount, which is usually 10% of the total fee. Although this will not enjoy an interest-free period, it can avoid a negative impact on personal credit. Understanding and planning your repayment dates can help avoid additional financial stress.