Usually, you should pay attention to two dates when using credit cards, one is the billing date and the other is the repayment date of credit cards. After spending by credit card, after billing after the bill date, check the repayment amount of the current bill and pay off all the arrears before the repayment date, but not later than the repayment date. Otherwise, there will be overdue repayment, interest will be charged, and there will be bad credit records.