1. Credit cards have billing dates and repayment dates. If you use a credit card for consumption this month, and the consumption occurs before the billing date of the current period, the payment will be made on the due repayment date of the current period. Card consumption that occurs after the bill date will be included in the next bill and will be repaid on the next due date.

2. Take China Merchants Bank as an example;

3. For consumption on the same day as the bill date of China Merchants Bank credit card, repayment must be made before the next repayment date.

4. China Merchants Bank credit card repayment date; 18 days after the China Merchants Bank credit card statement is the interest-free repayment date. The cut-off date for recorded credit card transactions in each billing period is called the "Billing Date." The due date for repayment is generally around the 18th day after the bill date (as shown on the bill). The repayment grace period is 3 calendar days after the due payment date.

5. The billing dates of different cardholders may be different. For example, if the billing date is the 25th of each month, then each bill will record all the entries from the 26th of the previous month to the 25th of this month. For transactions, the corresponding last search repayment date is the 13th of the following month. Consumption on the 25th is generally not recorded until the 26th, and will be included in the next period's bill.

6. The interest-free period means that the cardholder repays all the repayment amount before the due repayment date (inclusive). Consumer transactions that can enjoy interest-free treatment are from the bank accounting date to the due repayment date. The time period between payment dates. If the cardholder has insufficient repayment in the current period, and the unpaid amount does not exceed 10 yuan or 1 US dollar, no additional interest and late payment fees will be charged for consumer transactions that can enjoy interest-free treatment.

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