Overdraft card is generally used for credit card spending, and the general interest-free days are 20-50 days. The time is calculated as follows: for example, if the reconciliation date of your credit card is 10, then your repayment date is +20 days, which is the 30th. If you swipe your card before the reconciliation date, such as March 8, then the repayment date is March. If you swipe your card after the reconciliation date of 10, such as March 12, then the repayment date is April 30th. During this period, the amount of your credit card is interest-free, which is the so-called interest-free day.

In addition, credit cards do not recommend you to withdraw cash, which is a bit expensive.