The buyer buys the seller's goods, completes the payment, delivery and confirms the receipt payment. The money will go to the seller's account and be given to you by cash withdrawal.

The so-called time difference is the checkout date and the final payment date of the credit card. Buy goods "after the settlement date" and finally pay off the money "before the repayment date".

How much should I pay back after this month's bill comes out? I will brush out the money through Taobao credit card shopping and pay off last month's bill before the final repayment date.

(If you swipe your card on Taobao before the bill date and include it in this month's bill, it will only increase the amount payable this month. )

Credit cards can also be risky. If the bank finds anything unusual, it can ask you to pay off the money immediately and stop using the bank's credit card.