2. calculation of interest-free period (longest repayment time) = from the date of credit card swiping, after one billing date, plus 2 days. According to this algorithm, the interest-free period is the longest after the bill date.

the credit card billing statement is stipulated by the bank and is fixed, which can be found in paper statements, electronic statements, online banking and customer service calls.

the following situations are only for credit card consumption, and the cash withdrawal charging cycle is the same, but there is no interest-free period. The repayment date of BOC credit card is the 2th day after the bill date. Assuming (just assuming) that the bill date of your credit card is the 14th of each month (fixed), the final repayment date is the 2th day after the bill date, that is, around the 4th of each month (there are 3 days and 31 days in each month), that is to say,

May 15th-June 14th is a bill cycle, and the credit card consumption in this cycle.

June 15th-July 14th is a billing cycle. The credit card spending in this cycle will generate a bill on July 14th, and August 3rd is the final repayment date. Full repayment before this date is interest-free. And so on.

therefore, if you swipe your card on the day of billing, the interest-free period is the shortest, only 2 days (swiping your card on June 14th and repaying it on July 4th), and swiping your card after billing, the interest-free period is the longest, only 5 days (swiping your card on June 15th and repaying it on August 3rd). Be sure to know the billing date and repayment date of your credit card to avoid missing it.