Several dates on the credit card bill should be understood: the dates on the credit card bill include: trading day, bank billing date, billing date and due repayment date. These four dates can be viewed separately. As the name implies, the trading day is the actual date when consumers use credit cards. Domestic trading day refers to the day when the credit card is swiped. Overseas, because it takes time for stores to transmit credit card information to banks, there is usually a time lag of several days. The bookkeeping date is generally the day after the trading day. The billing date is the date when the bank "accounts" the cardholder's credit card transactions within one month. Due repayment means that everyone must repay before this date. If you exceed this date, you will need to pay interest or other fees, and it will also affect the credit history of the cardholder. Try to pay off all debts and avoid frequent withdrawals. In addition to the above dates, we can see that there are three restrictions: the amount payable in this period, the minimum repayment amount and the cash advance limit. The payable amount in this period is the total repayment amount that consumers need to pay on the latest repayment date, and there will be a column of "minimum repayment amount" next to it, which is usually 10% of the repayment amount. If the consumer repays according to the minimum repayment amount, the "revolving credit" bank that uses the credit card will charge higher revolving interest, so it is recommended that the cardholder repay in full when the funds are not particularly tight. In addition, the "cash advance limit" means that customers can withdraw cash from ATM machines, which is generally 20%~50% of the cardholder's credit limit. Most banks generally have a handling fee for withdrawing cash from credit cards. This part of the handling fee is very high, generally 3% of the withdrawal amount, and the minimum standard for some banks is 30 yuan/time. Therefore, card friends try to avoid using credit cards to withdraw cash.