The billing cycle of most bank credit cards starts from the day after the last billing date to this billing date, that is, the billing date is the last day of a billing cycle.
Therefore, if you swipe your card on the bill date, whether it is credited to the current bill depends on the time when the transaction is credited. If it is charged to the account on the same day, it will be charged to the current bill. After the bill date, 18-20 is the due repayment date (the specific time depends on the regulations of each bank), and the interest-free period is very short.
If the bill is booked in the future (in rare cases), it will be settled in the next month and the interest-free period will be longer. The specific entry time depends on the clearing time of merchants and banks. However, a few banks define the bookkeeping date as the beginning of a bookkeeping cycle, so transactions on the bookkeeping date can enjoy the longest interest-free period.
Some banks stipulate that the billing cycle of credit cards is from the billing date of last month to the billing date of this month. For example, if the billing date of a credit card is 13 and the bank settles at 14: 00 on 13, then the billing cycle of the credit card is from 14: 00 on 13 last month to/kloc-0 this month.
Some banks stipulate that the billing cycle of credit cards is from the billing date of last month to 24: 00 this month. For example, if the billing date of a credit card is 13, then the billing cycle of the credit card is from 13 last month to 24: 00 this month, and the consumption of 13 this month belongs to the current bill.
The banks whose daily consumption is included in this bill are CITIC Bank, Agricultural Bank and Shanghai Pudong Development Bank. Banks whose bills are included in the next bill include Industrial and Commercial Bank of China, Bank of China, Bank of Communications, Guangfa Bank, China Merchants Bank and Ping An Bank.