Under normal circumstances, the interest-free period of credit cards mentioned by banks refers to the longest interest-free period. In fact, not every consumption can get the longest interest-free period.

Interest-free repayment period refers to the interest-free treatment given by the bank to cardholders who fully repay non-cash transactions. The interest-free period starts from the bank bookkeeping date to the due repayment date.

Therefore, users can only enjoy the longest interest-free period given by the bank if they spend one day after the bill date.

Now let's give an example. The monthly bookkeeping date is 1, and the 25th of each month is the repayment date. Suppose you spend 5000 yuan on the second day of the accounting day in August, that is, August 2. In this case, the consumption on August 2nd will appear on the bill of September 1, and you can choose to pay it back on September 25th at the latest. This will have an interest-free period of more than 50 days. It should be noted that if RMB 5,000 is swiped on July 3rd 1, then this consumption record will appear on the bill of August 1, and it will be returned on August 25th at the latest. Although it is swiped only1day in advance, the interest-free period is only 25 days.