ICBC's credit card billing date is unified to the end of the month, which is the last day of the natural month. The interest-free repayment period is from the bookkeeping date to the due repayment date. The longest repayment period of ICBC credit card overdraft is 56 days, and the shortest is 26 days. You can enjoy the longest interest-free period by swiping your card every month 1.

Cardholders should try their best to repay in full before the repayment date. If they can't repay in full, they can pay the minimum repayment first, but they can no longer enjoy interest-free repayment!

Calculation of repayment period of ICBC credit card overdraft

The interest-free period of ICBC credit card is 25 days at the shortest and 55 days at the longest. Take ICBC credit card as an example. Suppose your bill date is 1 every month and the repayment date is 25th.

If you spend money on August 3 1, it will enter the bill on September 1, and you will probably repay it before September 25, then this consumption can have an interest-free period of 25 days.

If you spend money in September 1, it will enter the bill in June 1, and you should repay it before1October 25th 10, so that you can enjoy the interest-free period of 55 days.

Therefore, if the cardholder wants to get a longer interest-free repayment period, he should choose to spend it within a few days after the bill date, so that the interest-free period will be extended accordingly.