The longest overdraft period of various credit cards varies from bank to bank. Generally speaking, it takes at least 20 days and at most 50 days, but some cards will last for 55 or 58 days. That is, the billing cycle is one month, with repayment periods of 20, 25 and 28 days.
Take a maximum of 50 days as an example:
If you overdraw on the first day after the bill date, there will be a 30-day cycle plus a 20-day repayment period, totaling 50 days; If you overdraw on the bookkeeping date, you will be charged on the same day, and the repayment period is only 20 days.