Two principles: \x0d\ First, when will you get paid? If you haven't got your salary by the repayment date, then this repayment date may bring you pressure. \x0d\ Second, do you do shopping on certain days of each month? If so, the billing date should be 1 day before your shopping concentration date. \x0d\ If the above factors are not considered, it will be divided equally. The billing date of the new card is ideally 1 or the end of the month. \x0d\ Unfortunately, the billing date of China Merchants Bank can be selected as 5, 7, 10, 12, 15, 17, 20, 22 and 25 of each month, and there is no 1 and no end of the month. You can only change it once every six months.