The time when consumption is recorded is basically determined by the time when merchants apply for money, not banks. Of course, every bank will have a fixed time period to update the database. If the merchant asks for money before this time period, then the transaction after the bank's database is updated is also called posting (the transaction process is really completed when you give money and the merchant collects money). So you have a billing date of the 22nd, so it is very likely that the bill will be issued on the same day. The shortest interest-free period of CCB's card is 20 days, so you have to repay it after 20 days at the longest. If it is credited on the 23rd, it will be credited on the 22nd of next month, and then it will be postponed for 20 days, that is, the longest interest-free period mentioned by CCB is about 50 days. The time for recording the repayment is even more complicated, involving how and when you pay it back. Here are the connection between the repayment institution and the banking system, accounting treatment, database update and so on. However, CCB generally recommends that you repay in our bank, even if it is repaid on the last day. Basically, you can see it when you deposit it with them. Emphasizing that they can see it doesn't mean that your money is in the account. Just mentioned the concept of database update. In fact, if you deposit money in the afternoon 12, you won't get it that day. It is agreed that the account will be automatically debited on the second day of the due repayment date. The money deducted on the day of deduction and the money you saved on the evening of due repayment can actually be recorded after the database is updated on the day of deduction. Your worry will be considered by the bank, so there will be no late fee. Don't worry ~ ~ Remember to add points, haha